Double Indemnity (1944)
Directed by Billy Wilder
Screenplay by Billy Wilder and Raymond Chandler
Based on the novel "Double Indemnity in Three of a Kind" by James M. Cain
Rating: 9.25/10.00 or ****
Know why you couldn't figure this one, Keyes? I'll tell ya. 'Cause the guy you were looking for was too close. Right across the desk from ya.These are Neff's words to Keyes. Neff has just admitted to the murder of an innocent man. "For money. And for a woman." He didn't get the money. And he didn't get the woman. Neff lost everything, including the thing he probably cared about most.
Double Indemnity is a film noir at its finest. It contains the criminal plot, the two players, the likable investigator, the greed for money, and the dialogue. What this noir has that makes it such a memorable one is the mystery behind everything. The motives remain unclear, and the actions do not match the motives each admits to. This is a film about the worst of intentions, and the inevitable fallout from these motives.
At the surface, the plot is simple and straightforward. Neff is an insurance salesman. He's relatively successful. He goes to the Dietrichson household to sell accident insurance to Mr. Dietrichson (Tom Powers), who is in the oil drilling business. He is not there, but his wife Phyllis (Barbara Stanwyck) is. He immediately seems to fall for her. She is edgy, independent, witty, and cunning. Each conversation they have is a test to see which one has the better retort. Consider this round:
Neff: You'll be here too?
Phyllis: I guess so, I usually am.
Neff: Same chair, same perfume, same anklet?
Phyllis: I wonder if I know what you mean.
Neff: I wonder if you wonder.
Each one knows what the other means, but of course, they do not say it bluntly. They are testing to see how the other reacts. They communicate after the talking. Not only is this a clever approach and an appropriate symbol for how the two of them work together, it is also completely engaging to watch unfold. The dialogue is so crisp in its biting tone. I wanted to applaud several times when watching the film. On multiple occasions, I rewound to hear the words again.
Neff wants to come back to sell him the insurance when he is at home, but he really wants to see her again. Soon, they meet outside the home, and after more games with words, she slowly convinces him to help murder her husband. Her motive is easy enough to understand. She is miserable with him, he has lost a fortune in the oil business, and the insurance policy Neff provides could be a quick source of cash for her. Neff plots a way to murder him so that they receive the most cash, due to the "double indemnity" clause in the insurance policy.
The plan is for Mr. Dietrich to be killed before a train ride (where the double indemnity clause is valid), then for Neff to ride the train as Mr. Dietrich, and to jump off the train, where Phyllis will drop the body of Mr. Dietrich on the tracks. In that way, the death resembles an accidental fall out of the back train car. The scheme goes off without a hitch, but as Neff walks later that night, he senses his ultimate doom.
Neff's supervisor and father figure Keyes (Edward G. Robinson) investigates the "accident". Slowly, he begins to suspect a crime was committed, but he is unsure of who the accomplice to Phyllis is. Through intelligent combing of clues and motives, he figures out how the crime was committed, but it is unclear if he suspects Neff. This leads to several nail-biting scenes. One occurs when Phyllis was to meet Neff in his apartment, but Keyes drops by to talk about the case. She approaches the room but hears voices, so she hides behind Neff's front door as Keyes walks to the elevator. In another, a witness on the last train car who talked to Mr. Dietrich (i.e., Neff) just before Mr. Dietrich fell off the train (Neff jumped off) is brought into Keyes's office, and Neff is asked to observe. In another spine-tingling scene (after the murder), Neff learns of troubling behavior conducted by Phyllis from Mr. Dietrich's daughter from a previous marriage.
Wilder films moments of revelation with restraint. In the scene in which Lola (Mr. Dietrich's daughter) tells Neff of the potential murder of her mother by Phyllis, at the time a nurse of the family, Neff's realization is cleverly subdued but immediately noticeable. When Neff confronts Phyllis on the issue the first time, the scene is riddled with the same sparkling dialogue that has gone on between the two of them throughout, but now we sense the desperation in both of their modes of speaking.
As Neff discovers the true motives of Phyllis at the end of the film, their confrontation is electric but unnervingly calm. Wilder films this with brute force bitterness and a tinge of melancholy. The two of them had something, and both sense regret. But both of them knew what they were getting into, and both of them were blinded by each other to realize what the inevitable outcome was to be.
Wilder was always known for his bitterly sarcastic approach, and this film certainly contains it. The action is cast in this light; the words of the characters become more tense and curt with time. The facade of noir-speak remains, but the meaning behind the words becomes clearer. It never ceases to amaze me how powerful dialogue can be if in the right hands. Wilder was a master of making this dialogue come to life. But, he is mindful to never make the movie about the words. It is the response to the words that matters to him, and his painstaking approach to look at the characters' faces to see how they respond to certain events is what makes the film so effective.
The cinematography helps here. Lighting is critical, as scenes are cast in dichotomous shades of black and white, sometimes masking the characters when they are masking themselves, other times placing them in full light when their intentions are revealed. Scenes are shot in varying ways. Some scenes are matter-of-fact, almost journalistic in nature. Others are shot in "strained" format, using off-angles or long distances to convey character confusion or tension.
Wilder keeps the emotion hidden with Phyllis and Neff, but he brings it to the surface with Keyes. Keyes has a big heart, according to Neff, and it is clear that Neff adores his friend and boss. Keyes wants to make him a partner, but Neff does not feel suited to be his aide. He likes it just the way it is. There is a hint of a stronger relationship between the two throughout the film, at least the yearning for one. Neff frequently mentions his love for Keyes, and Keyes has a key moment where he returns the sentiment. Of course, given the time and place, this can only be alluded to (and may not be the actual intent), but Wilder was not shy with his characters. I suspect he was pleased to see many respond to their relationship in this manner. Personally, I get much more of a father-son vibe, and the film works with either interpretation in place.
The film is approached using flashback. Neff records his memories of what transpired to Keyes. He has been shot, but he plans to escape. His confession seems contradictory to his plans, but his guilt and his love for Keyes is too strong to keep back. When Keyes finds him in the office, nearing death, the two have a wonderfully bittersweet exchange:
Neff: Know why you couldn't figure this one, Keyes? I'll tell ya. 'Cause the guy you were looking for was too close. Right across the desk from ya.
Keyes: Closer than that, Walter.
Neff: I love you, too.
Wilder could always say what he wanted to without saying it at all.
The acting is stellar. Fred MacMurray plays Neff with a suave, but hesitant demeanor. He is absolutely convincing as a man weakened by his impulses but strengthened by his no-nonsense attitude. Barbara Stanwyck plays Phyllis with a brisk, seductive air. She is stunning in her scenes, coming across as fierce, sly, and driven. Edward G. Robinson plays Keyes with his heart on his sleeve, an intelligent man who is always thinking of the right thing to do but very loyal to those who mean most to him.
When Neff and Keyes share their exchange at the end of the film, one cannot help but wonder why Neff would go to the trouble of killing a man for money (He was a successful insurance salesman.) and for a woman (He may have been attracted to her, but he didn't seem to be in love with her.). He may have done it as a response to impulses, a sexual attraction to Phyllis, or because he was simply caught up in the moment. But, when we discover what means the most to him (Keyes), we wonder why he couldn't remember that in the first place. So does Wilder.