Marcus and Mike are forced to confront new threats, career changes, and midlife crises as they join the newly created elite team AMMO of the Miami police department to take down the ruthless Armando Armas, the vicious leader of a Miami drug cartel.
Marcus Burnett is a henpecked family man. Mike Lowrey is a footloose and fancy free ladies' man. Both Miami policemen, they have 72 hours to reclaim a consignment of drugs stolen from under their station's nose. To complicate matters, in order to get the assistance of the sole witness to a murder, they have to pretend to be each other.
After five years in prison for insurance fraud the sailor Lanarsky is released. Together with his buddy Bone he gets a job as seamen on board the yacht owned by the wife of his insurance fraud-partner Michael Reddick. Lanarsky has a question to his former partner who he thinks tried to cheat him. But Michael Reddich himself has another insurance plan ready where he will kill everybody on board the yacht, blow it up and then claim the life-insurance for his wife. But Lanarsky and the wife Lee escape and follow Michael to the nearby Cayman Island where the final showdown takes place.
