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As the big 4-0 birthday approaches, Jackie (Heather Locklear), a divorced mother of two, is talked into taking a tropical vacation while her kids stay with their dad for the holidays. But she gets far more than a tan when she meets a much-younger hunk named Kyle (Robert Buckley). Together the unlikely pair share a steamy romance, and Jackie slowly realizes -- much to her surprise -- that life really does begin at 40 in this Lifetime TV film.