An insurance adjuster from Iowa is sent to settle several death benefit claims in Los Angeles. He soon discovers all the victims were carrying invitations to a non existent club called “The ”. As he begins to investigate he becomes swept up in a far-reaching conspiracy regarding a rash of barbaric, unexplained deaths, and an apparition beach club that may or may not exist. The conflicted adjuster, Jorgensen, haunted by his own corrupt dealings in the past, becomes obsessed with the idea of finding this club and exposing the conspiracy even when everything and everyone around him begs him to look the other way. The film is his personal, tragic journey towards redemption.