When Fred MacMurray’s horndog insurance salesman meets Barbara Stanwyck’s femme fatale at the start of Double Indemnity, she’s dressed only in a beach towel, fresh from sunbathing.  After changing into a knee-length dress, she entertains him in the parlor, pretending to be interested in purchasing car insurance from his company but really feeling out his potential to help with the murder of her husband.  He immediately catches onto her scheme (a hunch confirmed by her conversational shift away from automobile insurance to “accident” insurance), but he sticks around to flirt anyway, mostly for the vague promise of adultery.  When Stanwyck uncrosses her bare legs during this uneasy negotiation to draw MacMurray’s attention to her girly ankle bracelet, it hit me; I had seen this exact dynamic play out before in Basic Instinct.  I was watching a horned-up dope flirt with an obvious murderess in her cliffside California home, mesmerized by strategic flashes of her lower-body flesh.  After I had already retitled the film Double Instinctity in my head, I later retitled it The Insurance Man Always Files Twice, following the clever “accidental death” of Stanwyck’s husband (only to later learn that the novel Double Indemnity was written by the author of the novel The Postman Always Rings Twice, James M. Cain).  By the time the adulterous couple’s alibi for murder involving the anonymity of public train transportation had me retitling it Dangers on a Train, it became clear this was an immeasurably influential American crime picture that was directly imitated and alluded to throughout Hollywood long before Verhoeven arrived to sleaze up the scene.

Although it was released years before the term was coined by a French critic, Double Indemnity did not invent the film noir genre.  Even if the genre hadn’t gotten its start in dime store paperback novels, Humphrey Bogart had already been led to his onscreen doom by Mary Astor’s femme fatale in Double Indemnity‘s suaver older cousin The Maltese Falcon a few years prior.  Stanwyck’s own femme fatale archetype is also named Phyllis Dietrichson, a winking reference to earlier femmes fatale played by Marlene Dietrich in her pre-Code collaborations with Josef von Sternberg.  Still, it’s early and iconic enough that modern audiences get to watch it establish the core tropes of film noir in real time, to the point where it plays like a pastiche of a genre that hadn’t even been named yet.  Before MacMurray is hypnotized by Stanwyck’s anklet, he moseys around her dusty parlor and directly comments on the room’s shadowy lighting and Venetian blinds – two standard visual signifiers of classic noir.  That narration track rattles on at bewildering speeds throughout the entire picture, referring to Stanwyck as “a dame” (when in 3rd person) and “Baby” (when in 2nd person) so many times that it verges on self-parody.  That narration also frames the entire story as a flashback confession to the reasoning behind the central murder, a narrative structure echoed in classic noir melodramas like Mildred Pierce and director Billy Wilder’s own Sunset Boulevard.   Double Indemnity is not the first of its kind, but it is the Platonic ideal of a major studio noir, the same way Detour exemplifies the ideal of the genre’s Poverty Row variety.  And even Detour‘s femme fatale Ann Savage starred in her own shameless knockoff of the picture initially titled Single Indemnity, before it was sued by Paramount Pictures into changing its title to Apology for Murder.

Although Fred MacMurray easily racks up Double Indemnity‘s highest word count on the narration track, he’s not the cast’s MVP.  If nothing else, veteran character actor Edward G. Robinson fast-talks circles around him as his nosy business partner who unravels the adulterous couple’s perfect insurance-scam murder simply by following the hunches in his stomach (which he refers to as his “little man”).  The two insurance men have a great, intimate rapport that plays like genuine affection, whereas MacMurray’s carnal attraction to Barbara Stanwyck is purely violent hedonism.  Stanwyck is the obvious choice for MVP, then, as being led around on an LA murder spree by the leash of her anklet is such an obviously bad idea, but she’s a convincing lure anyway.  Like Michael Douglas’s dipshit cokehead detective in Basic Instinct, MacMurray knows this woman will lead to his doom, but he still gives into her schemes because the sex is that good – a business deal sealed when she appears at his apartment in a wet trench coat for their first act of consummation.  She isn’t afforded nearly as much screentime as MacMurray, but her every appearance is a cinematic event, from her initial beach towel entrance to her unflinching witness of her husband’s murder, to her grocery store appearance in Leave Her to Heaven sunglasses and a Laura Palmer wig.  Barbara Stanwyck’s Phyllis Dietrichson may owe thematic debt to the Marlene Dietrich femmes fatale before her—among other pre-Code influences—but she’s clearly striking and conniving enough to truly earn the term “iconic” that gets tossed around so liberally these days.  MacMurray’s job is just to play the stooge who drools at her anklet-adorned feet, which he does with humorous naivete.

It’s difficult to imagine how shocking the seediness of Double Indemnity would have registered in the 1940s, when noir was still taking its first baby steps.  It took Wilder years to get a version of the script approved for production, since unrepentant murder & adultery were still fictional taboos instead of standard soap opera fodder.  Along with cowriter (and noir novelist in his own right) Raymond Chandler, Wilder drives the wickedness of his characters home in a climactic double-crossing argument where Stanwyck declares both she and her duped insurance man are “rotten,” and he coldly replies, “Only, you’re a little more rotten.”  With barely suppressed pride, she spits back, “Rotten to the heart.”  There is little in the way of whodunit mystery to the script; it’s working more in the howcatchem style of a Columbo or Poker Face.  The real mystery is just how rotten these characters are at heart, a contest Phyllis Dietrichson wins in a walk.  By the time major-studio noir had its revival in Hollywood’s erotic thriller era, Double Indemnity‘s shock value had to be ratcheted up by films like Basic Instinct and the Postman Always Rings Twice remake to catch up with a jaded, seen-it-all audience.  The rotten-hearted cruelty of Stanwyck’s femme fatale remained deliciously evil as times changed, though, and even Sharon Stone’s bisexual murderess in Verhoeven’s version could only play as an homage rather than an escalation.

-Brandon Ledet