Plot Points - Double Indemnity (1943)
(Text mostly from Wikipedia)
OPENING SHOT: Downtown
SET-UP, BACKGROUND & INTRODUCTION OF MAIN CHARACTERS: Walter Neff (MacMurray), a successful insurance salesman for Pacific All-Risk, returns to his office building in downtown
Neff 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.
INCITING INCIDENT – CATALYST: Neff knows she means murder and wants no part of it. But the bad seed is planted.
DEBATE – ANTI-HERO VASCILLATES: Phyllis pursues Neff to his own home, though, and persuades him to 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.
“FUN AND GAMES”: Neff and Phyllis carry out their plan, but Neff is seen by a Mr. Jackson from
B STORY (LOLA) THAT INTERSECTS WITH THE A STORY: Lola and Neff. Neff tries to keep her happy so she won’t share her suspicion with the cops that her father did not commit “suicide.”
MID POINT: Keyes, a tenacious investigator, does not suspect foul play at first, but eventually concludes that the Dietrichson woman and an unknown accomplice must be behind the husband's death. He has no reason, however, to be suspicious of Neff, someone he has worked with for quite some time and admires.
KEYES CLOSES IN on NEFF by statistically proving that “suicide” by jumping out of train that went at 15 mph does not happen and it does not make sense. Also, why did MR. Dietrichson did not apply for insurance when he broke his foot? Perhaps he wasn’t aware that he had life insurance? He also interviews Mr. Jackson in Neff’s presence – tension deepens. Neff is constantly scared that he’ll be seen together with Phyllis in public.
B STORY (LOLA) INTERSECTS WITH THE A STORY: Neff is not only worried about Keyes. The victim's daughter, Lola (Jean Heather), comes to him convinced that her stepmother, Phyllis, is behind her father's death because Lola's mother also died under suspicious circumstances when Phyllis was her nurse.
ALL IS LOST: Once he realizes that Phyllis is playing him for a sap and also seeing another man – Lola's boyfriend – behind his back, Neff believes the only way out is to murder Phyllis himself.
ACT 3: But she has had the same thought; when they meet, she shoots him first. Neff, badly hurt, is still able to shoot and kill her.
FINALE: Neff then drives to his office. There he dictates his full confession to Keyes, who arrives in person just in time to hear the last of the gory details and see his dying friend Neff collapse to the floor.
FINAL IMAGE: Keyes lights the wounded-Neff’s cigarette and uses one of Neff’s lines: “I love you too.”


Cary Grant







