Out of Time

Out of Time is a 2003 American mystery thriller film directed by Carl Franklin and starring Denzel Washington. The two had previously worked together for the 1995 film Devil in a Blue Dress. Plot Mathias "Matt" Lee Whitlock is the respected Chief of Police of the small Florida Keys town of Banyan Key. Recently separated, Whitlock is currently seeing local resident Ann Merai-Harrison, an old flame from high school whose husband Chris, a former professional quarterback seemingly oblivious to the relationship, abuses her. While taking Ann to the doctor, Matt finds out she has just been diagnosed with terminal cancer. Matt is also going through a divorce from his wife, homicide detective Alex, and is friends with medical examiner Chae. Ann intends to reward Matt's loyalty to her by making him the sole beneficiary of her $1,000,000 life insurance policy. Matt suggests that she should travel to Switzerland to undergo a newly developed, groundbreaking treatment. The problem is that Ann does not have any money. Desperate to help her, Matt takes $485,000 out of evidence from a drug kingpin bust and gives it to her so she can make the trip. When the money goes up in flames in a suspicious house fire that kills Ann and Chris, Matt is horrified to find their charred remains. Upon investigation, Matt discovers that the doctor that diagnosed Ann was an imposter, Ann didn't have cancer, and he has been set up.