LIKE MOST OF THE GREAT FILM NOIRS FROM THE FORTIES, THE FILM BEGINS WITH A NARRATION, AND THE NARRATIVE UNFOLDS IN A FLASHBACK
Walter Neff, a successful insurance salesman for Pacific All-Risk Insurance, returns to his office building in downtown Los Angeles late one night. Clearly in pain, he sits down at his desk and tells the whole story into a Dictaphone for his colleague Barton Keyes, a claims adjuster.
DIRECTOR: Billy Wilder
BOTTOM LINE: One of the greatest film noirs produced by Hollywood from the mid-forties to the fifties, this 1944 crime thriller was directed by Billy Wilder, co-written by Wilder and Raymond Chandler, and produced by Buddy DeSylva. The screenplay was based on James M. Cain’s 1943 novel of the same title, which appeared as an eight-part serial for Liberty magazine in February 1936.
The film stars Fred MacMurray as Walter Neff, an insurance salesman, and Barbara Stanwyck as Phyllis Dietrichson, the black widow who traps him in a plot to kill her husband and then claim the insurance money. Edward. G. Robinson also stars as MacMurray’s boss, Barton Keyes, a claims adjuster whose job is to find phony claims. The term “Double Indemnity” refers to a clause in specific life insurance policies that doubles the payout in cases when the death is accidental.
All three stars are superb, with Stanwyck and Robinson giving Oscar-worthy performances. At least Stanwyck was nominated, but she unjustly lost out to Ingrid Bergman in “Gaslight.” In contrast, neither MacMurray nor Robinson got any love from their peers. Robinson’s absence from the Best Supporting Actor lineup that year is arguably the most egregious snub in Oscar history.
Wilder has stated in various interviews over the years that he believes the real love affair was between Walter (MacMurray) and Keyes (Robinson). You can feel their deep attachment all the way through their final, beautiful, and very moving scene together. The dynamic between Neff and Dietrichson (Stanwyck) seems to be more about power than genuine emotion. There is no love there.
The film is also redolent of Los Angeles, being the first Hollywood movie to go out and capture the sights and sounds of the city’s varied locales:
- The Dietrichson House in Glendale (actually in the Beachwood Canyon area), where Walter first meets Phyllis (and her ankle bracelet) for the first time.
- The Market in Los Feliz, where Walter and Phyllis have their clandestine meetings.
- Walters’s apartment on Melrose Avenue.
- Walter drops off Lola (Jean Heather), Phyllis’ stepdaughter, at the corner of Franklin and Vermont. Lola suspects that her stepmother is up to no good.
- Walter and Lola are lying on the grass behind the Hollywood Bowl, where a concert shimmers in the distance.
- Downtown Los Angeles, where the Pacific All-Risk insurance offices are located.
