Out of Time

Chief Matthias Whitlock receives a surprising call from a woman reporting a potential intruder in her home. This call sets off a series of events that intertwine his personal and professional life.

In the quaint town of Banyan Key, FL, Matthias enjoys a relaxed breakfast at a local café. He engages in witty conversations with the café owner, Chris Harrison, and receives a friendly greeting from Chris' wife, Ann.

While meeting with his friend Jay, a medical examiner, the mood shifts when his ex-wife, Alex, arrives to collect her belongings. Their unexpected encounter highlights lingering emotions and unresolved issues between them.

Matthias' day of fishing takes an unexpected turn when Ann visits him. Their encounter becomes charged with passion, but is abruptly interrupted when Ann receives a distressing phone call.

At the hospital, Ann receives life-altering news that her cancer is no longer in remission. With only six months to live, she turns to Matthias for support, deepening their complicated relationship.

Matthias uncovers a troubling fact: Chris has taken a significant insurance policy on Ann. This revelation not only raises suspicions but also sets the stage for escalating tensions among the trio.

Ann confides in Matthias her intention to change her insurance beneficiary, leading to fraught discussions. This revelation complicates their relationship further as Matthias is torn between loyalties.

As tragedy strikes, with a fire engulfing Ann's home, Matthias finds himself ensnared in a tangle of deceit and betrayal. The blaze reveals two charred bodies, igniting an investigation where Matthias struggles to prove his innocence.

The investigation intensifies, especially as it is led by Alex, now a homicide detective. Matthias must navigate his complex feelings for Ann and Alex while dealing with the growing scrutiny of law enforcement.

Faced with mounting evidence, Matthias embarks on a quest to clear his name and seek justice for Ann. His journey reveals dark truths about love, trust, and the overwhelming power of betrayal.

In a gripping climax, Matthias discovers the intricate web of Ann's life, exposing her motivations and the chaos surrounding her relationships. This revelation reshapes his understanding of their bond.

In the aftermath, Matthias reflects on the moral complexities and emotional turbulence of his experiences. His journey leads him to ponder the million-dollar insurance payout hanging over their tragic tale.

As Matthias seeks closure, he rekindles his connection with Alex. Their shared laughter and reflection hint at the possibility of moving on, but the shadows of the past linger in the air.

Despite the chaos and emotional turmoil, Matthias emerges with a deeper understanding of love's resilience. The film concludes with an open question: can he truly let go of the past, or will it forever haunt him?