Walter Neff (MacMurray) is a successful insurance salesman for Pacific All-Risk returning to his office building in downtown Los Angeles late one night. Neff, clearly in pain, sits down at his desk and tells the whole story into a Dictaphone for his colleague Barton Keyes (Robinson), a claims adjuster.
It is the story of how he meets the sultry Phyllis Dietrichson (Stanwyck) during a routine house call to renew an automobile insurance policy for her husband. A flirtation develops, at least until Neff hears Phyllis wonder how she could take out a policy on her husband's life without him knowing it. Neff knows she means murder and wants no part of it.
Phyllis pursues Neff to his own home, and persuades him that the two of them, together, should kill her husband. Neff knows all the tricks of his trade and comes up with a plan in which Phyllis's husband will die an unlikely death, in this case being thrown from a train. Pacific All-Risk will therefore be required, by the "double indemnity" clause in the insurance policy, to pay the widow twice the normal amount.
CAST: Fred MacMurray, Barbara Stanwyck, Edward G. Robinson, Porter Hall
DIRECTOR: Billy Wilder
RUN TIME: 107 min