When Zoe tires of looking for Mr. Right, she decides to have a baby on her own. But on the day she's artificially inseminated, she meets Stan, who seems to be just who she's been searching for all her life. Now, Zoe has to figure out how to make her two life's dreams fit with each other.

Saddled with a loveless marriage and three ungrateful children, Charlie Walker (Jeffrey Lynn) dreams of escape. When he falls overboard on a boating trip and is presumed dead, his fantasy comes true. He washes up on a Caribbean island and meets a lovely local (Leila Barry). He gets a fresh start at life, opening a resort on his island home. But guilt and a few insurance agents may cut Charlie's dream short.