Double Indemnity

Movie review by
Charles Cassady Jr., Common Sense Media
Double Indemnity Movie Poster Image
Dark, dialogue-heavy classic of grim suspense.
  • NR
  • 1944
  • 104 minutes

Parents say

age 13+
Based on 4 reviews

Kids say

age 11+
Based on 4 reviews

Did this review miss something on diversity?

Research shows a connection between kids' healthy self-esteem and positive, diverse representations in books, TV shows, and movies. Want to help us help them? Suggest a diversity update

A lot or a little?

The parents' guide to what's in this movie.

Positive Messages

The antihero is a once-honest man turned murderer, whose whole confession frames the movie. Even though he faces the consequences for his actions, he seems almost fatalistic, not apologetic, about his actions. But in the end he does prevent another murder. Phyllis is quite the "wicked stepmother" type, in addition to her other faults.


One man murders another with his bare hands, offscreen. Two people are shot at close range.


Phyllis seen briefly, clad demurely in a towel. Otherwise her seductive affair with Walter Neff is all talk, mood, and innuendo.


The tie-in novel by James M. Cain.

Drinking, Drugs & Smoking

Quite a bit of smoking, cigarettes, and cigars.

What parents need to know

Parents need to know that this is a grim, downbeat "film noir" narrative. Evil doesn't triumph, but the main character makes bad choices and is pretty much doomed from the inception. He falls for another man's wife and tries to help her kill her husband (the woman also turns out to embody the worst sort of wicked-stepmother image, late in the story). There is nothing explicitly sensual in this narrative, even as much later "steamy erotic thrillers" copied the vibe and used it as an excuse for graphic sex and nudity. This one would merit just a PG today.

User Reviews

  • Parents say
  • Kids say
Adult Written byahmed aiman 99 April 15, 2019

Double Film-Noir!

With overtones of moral failure that almost make you remorse on behalf of the protagonist, undertones of lust, crackling dialogue that's as cynical as it... Continue reading
Adult Written bysarge123 October 2, 2015
Written byAnonymous August 7, 2020


I was heavily exposed to old movies at a very young age so I watched this when I was 8 or 9 and I thought it was an amazing movie. I read a review saying this m... Continue reading
Kid, 12 years old July 19, 2020

What's the story?

Told in flashback, this classic film noir centers on insurance salesman Walter Neff (Fred MacMurray), who pays a call to the home of Phyllis Dietrich (Barbara Stanwyck) and is immediately smitten with her. Glamorous Phyllis makes no secret about her unhappy marriage to an older man, and how much she'd like to see her husband get insured heavily -- and then die. Lovestruck Walter tells Phyllis that since he knows the business inside and out, he can stage a foolproof murder that will pay double. When Phyllis' husband "accidentally" breaks his neck, even Walter's sharp-eyed partner seems fooled -- temporarily. As the screws tighten on Walter, he starts to realize just how devious Phyllis can be.

Is it any good?

DOUBLE INDEMNITY has all the hallmarks of film noir – it's a moody, pessimistic crime story with strong overtones of spiritual bankruptcy and moral cynicism. The best of film noir sizzles with crackling, sardonic dialogue, veiled lust, terrific black-and-white photography, and overtones of impending doom. This is one of the best, all right, even if, like Casablanca, it's practically all talk.

Even today, these characters' jaded attitudes toward taking a life is bracingly sinister; as if right and wrong don't matter in this milieu, only getting caught or getting away with it. Add to this lack of remorse themes of obsession and betrayal and the power of great film noir is revealed.

Talk to your kids about ...

  • Families can talk about Walter Neff, and why a smart, successful insurance salesman would throw away his life for a scheming woman. Are his motivations realistic, or more of a crossover from "film noir," the wave of pessimistic detective movies and moody crime thrillers that suddenly came out of 1940s Hollywood? What modern movies have you seen that remind you of the classic film noir style? You might get history-minded kids to look into the life and work of writers James M. Cain and Raymond Chandler who inspired this film, and even further back to the real-life 1927 Ruth Snyder/Judd Gray murder case that inspired this movie.

Movie details

Our editors recommend

For kids who love dramatic thrills

Common Sense Media's unbiased ratings are created by expert reviewers and aren't influenced by the product's creators or by any of our funders, affiliates, or partners.

See how we rate

Streaming options powered by JustWatch

About these links

Common Sense Media, a nonprofit organization, earns a small affiliate fee from Amazon or iTunes when you use our links to make a purchase. Thank you for your support.

Read more

Our ratings are based on child development best practices. We display the minimum age for which content is developmentally appropriate. The star rating reflects overall quality.

Learn how we rate