This could have been a first-class flick, except for some improbable plot features. It’s Out of Time, from 2003 from MGM and featuring Denzel Washington as Matthias Lee Whitlock, Chief of Police in Banyan Key, Florida. It’s now streaming on Amazon Prime Video, where I’m getting these screen shots. Details are from Wikipedia.
Watching the opening scene you’re going to get very suspicious. We see Whitlock pulling night duty at the station when a call comes in from a lovely maiden, Anne-Merai Harrison, played by Sanaa Lathan. She tells the chief somebody broke into her house, and he should come right over. The chief doesn’t ask the usual questions, such as is the person still there. He just comes right over. We suspect there is a pre-arranged connection between the two.
Sure enough. After verifying the maiden is, indeed, safe, the two of them start to get it on hot and heavy. The chief’s honor is saved by the bell as a phone call takes him away on official business.
The background is Chief Whitlock has previously seized $450,000 in a drug bust, and it’s safely ensconced in his office safe. He shows it to his drinking partner, Chae, the medical examiner, played by John Billingsley. Chae has all kinds of ideas about what the two of them could do with that money, but it stays in the safe, for now.
Tragedy looms. Anne-Merai wants the chief to go with her when she visits an oncologist, Paul Cabot (Alex Carter), on the doctor’s weekend off. The doctor has bad news for Anne-Merai. Her cancer has come back, and she has about six months to live. He gives her a list of clinics offering experimental treatments.
The two visit a company, The Living Gift, willing to purchase Anne-Merai’s life insurance policy, valued at $1 million. They will pay her $750,000 and collect the $1 million when she dies.
Anne-Merai figures to beat the odds by using the money to seek alternative treatments, but she needs cash now. Anne-Merai submits a change to the policy, making Chief Whitlock the beneficiary. For reasons I was unable to derive from the movie, Anne-Merai can’t get the money in time from The Living Gift. Whitlock gets the idea to lend Anne-Merai the $450,000 so she can go to Switzerland for treatment. Then, after some rigmarole involving Anne-Merai’s husband Chris Harrison (Dean Cain), a former NFL quarterback-turned security guard, Whitlock gets a phone call from Anne-Merai. She tells him to wait, and she will meet him. He waits. She does not come. He gets concerned. He goes to her home. Nobody is there, but a neighbor spots him as he leaves.
Minutes later the house is completely obliterated by a blaze that is obviously arson. Two bodies, burned to a crisp, are discovered in the residue. The money is presumed destroyed in the fire.
Whitlock’s sharp-looking wife is Alex Diaz-Whitlock (Eva Mendes), recently promoted to police lieutenant in the nearby Miami police department. She’s a homicide detective, and she is investigating the apparent murders. The two are in the process of getting a divorce.
As Mrs. Whitlock and other fuzz close in on Chief Whitlock, who is going to come off as the prime suspect once the facts come out, the chief works frenzied mechanizations to throw them off the scent. For example, the cops subpoena phone records, records that show Whitlock and Anne-Merai have been exchanging intense communications. As the incriminating FAX comes in, the chief intercepts the sheets from the machine. Then he scans them, edits the scans, removing his phone calls, and then substitutes reprints, minus his calls, for the FAX sheets.
In the meantime, the neighbor who spotted the chief at Anne-Merai’s house is brought in, and she identifies the chief. He laughs it off and points to other dark-skinned people in the office. The poor woman becomes confused and agrees she must have been mistaken.
Meanwhile, a check with Anne-Merai’s doctor, not the oncologist, discloses she did not have cancer. Puzzled, Whitlock goes to the oncologist’s office, only to discover a different doctor sitting in the office. The other “doctor” was obviously a fake.
Whitlock persuades the real doctor to hand over a desk pen the phony doctor had used during the previous visit. It’s a pen the real doctor had not touched since. Whitlock has the pen shipped off to a crime lab and tested for fingerprints. The prints come back as belonging to a known crook. Whitlock traces the crook to a nearby hotel, finding the crook there with the money. A fierce struggle ensues, ending with both hanging seven stories up from a broken balcony railing. Cabot takes the plunge, and Whitlock escapes with the money in a valise.
So, it all comes to a head when Whitlock figures Anne-Merai and her husband have pulled a fast one. Reality crystallizes when Whitlock receives a phone call from Anne-Merai. There is a final confrontation with the Harrisons in a lonely shoreline dwelling. Things have gone sour between the Harrisons, and Chris has been beating his wife, again. She shoots her husband, and then she shoots Whitlock, but not seriously. Just in time, Alex appears and shoots Anne-Merai.
Just in time the Miami police show up, demanding the money from the safe that the chief had promised to arrange to deliver to them. Just in time Chae shows up with the money, complaining to Whitlock that he was unable to deliver the money to the Miami police, because Whitlock gave him the wrong address.
Meanwhile, Alex has been getting it all figured out, and she reconciles with her husband. The chief wants to accept the payout from Anne-Merai’s insurance policy, but he cannot, because it was his wife who killed Anne-Merai. Insurance companies will not pay out on policies when the proceeds will go to the person who caused the death. Anyhow, the divorce is off, and things are going to look up for the Whitlocks.
Some good acting, some great action scenes, some hot sex. Most-improbable storyline. Watching through one time and then going back to review the plot, I never figured out Harrison’s scheme. Suppose they knew Whitlock had the money. How were they going to get it from him? Fake Anne-Merai’s cancer? That’s going to guarantee he’s going to get him to hand over the money? No.
And there is a fatal flaw. The policy had to be taken before the cancer was diagnosed. That was weeks prior to the start of the movie. The drug bust that raked in the $450,000 was still fresh news by the second scene. Again, no.