Chuck Levine, a womanizing bachelor, and Larry Valentine, a widower struggling to raise his two children, are two veteran New York City Fire Department. During a routine sweep of a burned building, a segment of floor collapses on Chuck, but Larry saves his life. Chuck vows to repay Larry in any way possible. Experiencing an epiphany from the incident, Larry tries to increase his life insurance policy, but he runs into difficulties naming his children as primary beneficiaries. He is told he should remarry so his new spouse can be the primary beneficiary; however, no one specifies ''whom'' he has to marry.