Shep Knacker has long saved for “The Afterlife”: an idyllic retreat to the Third World where his nest egg can last forever. Traffic jams on the Brooklyn-Queens Expressway will be replaced with “talking, thinking, seeing, and being” — and enough sleep. When he sells his business for a cool million dollars, his dream finally seems within reach. Yet his wife Glynis has concocted endless excuses why it’s never the right time to go. Weary of working as a peon for the jerk who bought his company, Shep announces he’s leaving for a Tanzanian island, with or without her. Just returned from a doctor’s appointment, Glynis has some news of her own: Shep can’t go anywhere because she desperately needs his health insurance.