A dishonest insurance salesman's life quickly disintegrates during a Wisconsin winter when he teams up with a psychopath to steal a rare violin at the home of a reclusive farmer.

Mickey Prohaska (Greg Kinnear) is a small-time insurance agent looking for a way to jump-start his business, reunite with his estranged wife (Lea Thompson) and escape the frigid Wisconsin weather. This self-proclaimed master of spin believes that salesmanship is about selling a story - all he needs is a sucker willing to buy it. He hits pay dirt with a lonely retired farmer (Alan Arkin) who is sitting on something much bigger than an insurance commission. But Mickey's attempt to con the old man spins out of control when a nosy, unstable locksmith (Billy Crudup) with a volatile temper dramatically ups the stakes, trapping him in a spiral of danger, deceit and double-crossing.