A good black and white mystery/murder story with some good acting and an interesting mystery that an insurance investigator named Sam Donovan (Dennis O'Keefe) must match wits with the small town sheriff named Larry Best (Willia Bendix) who claims the investigator Sam Donoovan is incorrect in his thinking and should just accept that the death of a prominent man in town was a suicide, and not a murder.

Sam Donovan is suspicious of Sheriff Best's claim of a suicide so he decides to stick around and stick he does, his nose that is. As the town is just in the process of getting ready to light up the towns Christmas tree at their annual street festival the town is advised of another sudden death of the towns beloved doctor from an apparent heart attack. The mystery thickens, and so does the insurance investigator Sam Donovan's affection for a lovely local lass named Anita Weatherby (Barbara Britton).

As the film progresses more clues are discovered that challenge Sam Donovan to question whether the whole town is hiding something about the murder victim who has a $20,000.00 life insurance policy that will pay out double indemnity to the victims niece if in fact it was not a suicide but rather a murder.

The film has some light humour, a new romance blossoming, a Christmas theme, and a battle of wits between the insurance investigator Sam Donovan (Dennis O'Keefe) and Sheriff Best (William Bendix). I liked the film throughout, and I have always been fond of the 1940's period, especial murder/mystery themes. I give the film a 7/10 rating.

Another reviewer nailed it, I think - a term life insurance policy is essentially a bet the company takes with a customer that says it will pay off if the customer dies. However a suicide turns the bet into a sure thing for anyone who INTENDS to die for whatever reason, be it terminal illness or one's conflicted desire to provide financial reward to a loved one. So virtually no insurance policy will pay off on a suicide, unless there's a provision that says otherwise.

So right off the bat, the film started off on shaky ground because that whole idea kept distracting me throughout the story. As for the double indemnity business, I think Donovan's boss stated that it was a good idea to pursue the murder angle because it was good public relations for the company, a way to increase business based on the publicity of a doubled payout. I don't know, it doesn't sound like a sound business practice to me.

But casting all that aside, the picture did a fairly good job of keeping the viewer on one's toes with the suspicious nature of the principal characters, especially Sheriff Best (William Bendix), who if this was a Western, would have all the characteristics of being in the pocket of the town boss. Other characters were quite intriguing too, I got a kick out of the Weatherby housekeeper Hilda (Doro Merande), surreptitiously offering investigator Sam Donovan (Dennis O'Keefe) mysterious hints, and then burning a piece of evidence 'by accident'. Young Cathie Weatherby (Ann E. Todd) was a hoot too, can you imagine a teenager fascinated by insurance and mathematics? Oh, boy.

Though the resolution of the murder angle is offered in a way that almost sounds plausible, I couldn't help thinking that this town of Cleberg was one dysfunctional little community. With one of the best kept secrets in movie history, the entire citizenry (at least the ones Donovan came in contact with) managed to stay silent about the Phillips case while strongly suggesting the investigation be dropped. I was pretty surprised actually that Donovan went along with the recommendation to spare the community's feelings by not revealing the murderer. By so doing, everyone else along with the sheriff could go back to pursuing their own life of Riley.

Another nice discovery for me: a pretty good thriller which, though not exactly a film noir, features two staples of the genre – Dennis O'Keefe and William Bendix – in top form. Their rapport throughout is quite delightful and this, along with the equally refreshing charms of leading lady Barbara Britton and the distinct Christmas flavor of its small-town setting, creates an overall mood of warmth not easily found in murder mysteries! The plot (whose insurance-investigation angle clearly derives from Billy Wilder's DOUBLE INDENMITY [1944]) provides a good amount of tension – and red herrings – along the way, while the final revelation (bearing an unexpected moral emphasis) concludes the film on a satisfying note.