Three businessmen go to New Orleans to skin-dive off an island where their map indicated there was ancient pirate treasure. They are accompanied by a haughty Creole guide and an African-American diviner whose chatter about spirits and spells is worthy of an Oscar. When two of the treasure seekers go off by themselves and never come back, the third man wants to cash in on the life insurance policies the three men took out, each one payable to the other...