Out of Time is a 2003 American mystery thriller film directed by Carl Franklin and starring Denzel Washington.

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.

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.

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.

When DEA agents call the next day to get the evidence money in order to bust a drug kingpin, Matt responds erratically.