Wealthy but unhappy Patricia Belmont meets fun-loving insurance salesman Bill Smith (and his fun-loving friends Sam Ragland and Betty Harkness)on a ship cruise and falls in love, much to the annoyance of her high-society, fortune-hunting fiance Barrington Thorne.
Owen, a small time bookie, decides to open an insurance business as it involves lesser risk. His first client is Colonel Youngblood who insures his daughter, Marilyn, against marriage.
Harry Gribbon is a down-and-outer on the road and stops at a farm for a hand-out. The a farmer's wife makes him chop wood to earn the food and he sees and falls in love with her daughter. The hired-hand is also in love with her so conflicts arise.
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