Swaggering, womanizing Jerry and his hen-pecked buddy Pat are in a bind: their clients aren't dying fast enough! They buy insurance policies from the terminally ill, and bet on them to kick the bucket on schedule. But their luck is about to change when they meet Barbara, who has a $2million policy and 3 months to live.

The bulldog Liberty (who's thoughts we're able to hear) is the "First Dog of the USA", i.e. the president's dog. As such he has a lot of representative duties, but also many privileges which made him snobby and condescending towards other dogs. But one day when the young Nataniel takes him for a walk, he's mixed up with the stray dog Moocher who looks like his identical twin. Henceforth Moocher takes Liberty's place in the White House. From now on a different spirit reigns in the White House