Pacific All-Risk will therefore be required, by the "double indemnity" clause in the insurance policy, to pay the widow twice the normal amount. 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. Phyllis pursues Neff to his own home, and persuades him that the two of them, together, should kill her husband. Neff knows she means murder and wants no part of it. 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. It is the story of how he meets the sultry Phyllis Dietrichson (Stanwyck) during a routine house call to renew an automobile insurance policy for her husband. Neff, clearly in pain, sits down at his desk and tells the whole story into a Dictaphone for his colleague Barton Keyes (Robinson), a claims adjuster. Walter Neff (MacMurray) is a successful insurance salesman for Pacific All-Risk returning to his office building in downtown Los Angeles late one night. The synopsis below may give away important plot points. Walter concludes his memo for its reason, which he considers more a confession. Beyond any slip-up in the plan, Keyes and Dietrichson's disgruntled daughter, Phyllis' step-daughter Lola Dietrichson, factored into their ability to pull off the plan successfully. After deducing that she was planning on killing her husband since she stated he was abusive and claiming the insurance moneys on a policy her husband would have no idea existed, Walter decided to go into cahoots with her so that he could help her craft and execute the "perfect" insurance policy, and plan and execute the "perfect" murder beyond Keyes' scrutiny, leading to them living in bliss together and with money. They were obvious to each other in their mutual attraction. Walter met Phyllis innocently enough - he was dropping off auto insurance renewal papers for her husband - but quickly fell under her seductive charms. Barton suspected that Dietrichson was murdered by his wife, Phyllis Dietrichson, who was claiming the double indemnity on her husband's accident insurance policy. Alone in his company's Los Angeles offices late one evening and under some distress, insurance salesman Walter Neff dictates an inter-office memo to his colleague, claims manager Barton Keyes, about killing one of his clients, a Mr.
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