Out of Time 🎥 2003 Movie Info

Plot Summary

Matt Lee Whitlock is the respected chief of police in the small Florida Keys town of Banyan Key. Recently separated, Matt 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 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 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, but Ann is unable to afford it. Desperate to help, Matt takes $485,000 out of evidence from a drug bust and gives it to Ann 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. When DEA agents call the next day to get the evidence money in order to bust a drug kingpin, Matt responds erratically.

He finds out the money is now with the imposter and that Alex is about to bust him. He rushes to the hotel and, after a brief struggle, accidentally kills the imposter, takes the money and flees. Although Matt is seen by the police, he is thought to have come to protect Alex. Later that evening, Alex finds that Matt is Ann’s sole beneficiary and also that he has been in a relationship with her. At the same time, Matt receives a distress call from Ann, who is still alive, and unofficially goes to save her.

Meet the Cast