Double Indemnity: A Conspiracy with Motives

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In Billy Wilder’s 1944 blockbuster hit Double Indemnity, a fast-talking insurance salesman named Walter Neff (Fred MacMurray) visits the home of the seductive Phyllis Dietrichson (Barbara Stanwyck) to renew the insurance policy on her husband’s automobiles. A romantic affair shortly ensues, and Walter is soon coerced by Phyllis into plotting a murder. Walter then comes up with an idea to receive double the amount Phyllis had previously intended, and they eventually deceive Mr. Dietrichson (Tom Powers) by making him sign a double indemnity insurance policy which in return states that the widow will receive full compensation on behalf of the bearer’s death. Mr. Dietrichson’s death is then made to look accidental; however, all does not go according to plan when Barton Keyes (Edward G. Robinson), a diligent insurance investigator conducts an examination of the case file. It is a tale of love and betrayal where Walter and Phyllis inevitably face the repercussions of their actions. The story transitions from the present to the past with the use of flashbacks. The voice of Walter Neff is used as a narrative style in the form of an office memorandum which is integrated throughout the film. The movie opens and ends with Walter as he tells the story of killing a man to Keyes through the Dictaphone. Billy Wilder uses money, a woman and the ability to cheat the system to denote Walter Neff’s motives to commit the perfect crime.

After enduring a mortal wound, Walter drives to the Pacific All-Risk insurance agency and is escorted upstairs by the doorkeeper. Walter staggers to his office, lights up a cigarette and begins to relay a message to Keyes. He professes a murderous conspiracy while clutching the dictaphone: “I kille...

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...son home, and all the components of the plan are present right in front of him. All these components ultimately combine to form his plan to commit the perfect crime.

A plan, that Walter risked it all to execute. Walter envisioned committing the perfect crime: “There's not going to be any slip up…. Nothing sloppy, nothing weak, it's got to be perfect…. Call me tomorrow…. But not from your house…. From a booth…. And watch your step every single minute…. This has got to be perfect, do ya understand….? Straight down the line” (Double Indemnity).Walter stresses the importance of perfectly following his plan with perfect execution to Phyllis. They are both in it to the finish. The perfect crime would ideally produce money, Phyllis and a successful attempt at insurance fraud. These incentives urge Walter to play his role in the murder of Mr. Dietrichson.

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