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When you need somebody, any body will do! Paul Barnell (Robin Williams) is a travel agent having some serious fiscal problems. His brother has been missing for some time and he hits on the idea to cash in the life insurance policy which happens to be worth a very handy $1 million. Unfortunately, the insurance agent (Giovanni Ribisi) investigating the case won't let him cash it in until his brother has been missing for a much longer period or until the body is found.
Salvation for Paul's scheme comes in the shape of a corpse that he finds while taking out the trash. Trying to pass it off as his brother invites a whole new set of comic complications from the inept criminals who don't want the body being found to the sudden reappearance of Paul's brother!