When a neighbor dies at a young age and his widow isn't left with enough life insurance, Yvonne becomes concerned about Darryl's life insurance situation, and convinces him to take the physical to get more life insurance even though he's scared of doctors. He gets a check up, and the doctor calls his house with test results, leaving a garbled message with Michael that has Darryl convinced he's dying. Darryl tries to live his last days as fully as possible, and after not sleeping for 37 hours he passes out from exhaustion. He wakes up and his doctor tells him that he's actually fine. It turns out that the doctor doesn't treat many black patients, in fact Darryl's only his second, and he overreated to a slight imbalance in Darryl's blood that's actually normal for black men.