In the movie Double Indemnity (1944), Phyllis Dietrichson (Barbara Stanwyck) murders her husband (Tom Powers) with the aid of her lover and insurance salesman Walter Neff (Fred MacMurray). They make the death of Dietrichson' s husband seem like an accidental fall from the observation car of a moving train. Then after leaving Mr. Dietrichson's body on the tracks, Phyllis and Walter leave together in her car.

The police subsequently declare Dietrichson's death accidental, but Edward Norton (Richard Gaines), the president of Pacific All Risk Insurance Co., is reluctant to pay out the $100,000. He meets with Phyllis. Phyllis pretends to be bereaved and is genuinely shocked at Norton's suggestion of suicide. After she leaves, Walter is delighted when Barton Keyes (a insurance claims adjuster) assures Norton that he will have to pay out this death claim.

Later as circumstances start to unfold, Keyes tells Neff of his theory that Phyllis and some unknown accomplice murdered Phyllis' husband for the insurance money. Nevertheless strong proof, clear and substantial proof, is needed by Keyes before he can call police authorities.

The director Billy Wilder said, "I just made pictures I would have liked to see. When I'm lucky, it coincides with the taste of the [movie] audience. With Double Indemnity, I was lucky."

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