In the dark corners of 1940s Los Angeles, Walter Neff, a cunning insurance agent, finds himself embroiled in a complex game of love and betrayal. It all begins when he meets Phyllis Dietrichson, a captivating femme fatale who feels trapped in an unhappy marriage with a wealthy husband. Phyllis has a plan that awakens ambition and greed in Neff's heart: she wants him to help her murder her husband and, in doing so, collect on the double indemnity insurance policy.
With a mix of seduction and manipulation, Phyllis manages to involve Neff in her lethal conspiracy. As the two plot their dark plan, the tension mounts; every move they make seems to bring them closer to freedom but also to imminent catastrophe. However, the brilliance of the plot unfolds when Neff's astute boss begins to trace the footprints of the crime, turning the narrative into an intense game of cat and mouse.
As time runs out, Neff struggles between his desire to escape with Phyllis and his growing paranoia. Betrayals and consequences soon unravel, leading Neff down a path of self-destruction where guilt becomes his worst enemy. In a world where nothing is as it seems, every choice can be fatal, and the obsession with love and money can lead to ruin.