Eddie Coyne loves playing the horses. Loves it so much it's ruining his relationship with his wife and six-year-old son. In a last ditch effort to prove he’s not a loser in their eyes, Eddie places a seemingly impossible bet on a long shot and hits pay dirt.
Before cashing in and making amends with his family, he has a grim encounter with a greedy hoodlum looking to cash in on Eddie’s winnings.
Dying, Eddie wakes up in the presence of the Jesses, a monolithic group of six whose job it is to decide who enters heaven and who enters hell. The Jesses tell Eddie he's stuck in the middle—not good enough for heaven, not bad enough for hell. They entice him to go in on one final bet to break the dead heat.
Thinking it will be a piece of cake, Eddie agrees. He quickly learns the Jesses are more cunning and powerful than he'd imagined.