Shortly before Christmas the most hated citizen in a small town dies by gunshot wound, declared by the law to be a suicide. Into town comes insurance investigator Sam Donovan (Dennis O'Keefe) to investigate the death and see if all loose ends are tied up since the deceased has a 20K life insurance policy - about 200K in today's money. Nothing could be less conclusive than this investigation. When Sam goes to talk to the town sheriff and ask about the weapon, the sheriff (William Bendix) says it is missing. When Sam asks about the bullets that killed him, the sheriff says the coroner left them in the deceased since it was obvious what killed him and how he died. Only when Sam threatens to get a court order does the sheriff produce the bullets.In other words, if the sheriff was trying to deflect suspicion of this being anything but a suicide his obvious lies and stonewalling has had the expected opposite effect. In fact everybody in town is stonewalling Sam. Thinking this could be murder, Sam continues to dig, and continues to get furtive glances and obvious lies from everybody in the town. It also turns out that the deceased was just plain mean and everybody from the sheriff on down had a motive to kill him. Meanwhile Sam is having a serious romance with the daughter of the town banker who also had a motive to kill the insured.What are the odd devices in this film? The hated deceased/insured guy is never seen. He is dead before the film begins and we never see him in flashback. There is another character who turns out to be important to the plot who is never seen - the town doctor who was out of town but has a heart attack shortly after returning who is talked about in the most glowing of terms by everybody. Again - never seen in live action or flashback.So we have a death that may be murder against the backdrop of a small town Christmas post-war, the descriptions by the townspeople of two dead people who seem to have had opposite personalities but whom we never see for ourselves, and all of the townspeople acting like pod people when it comes to stonewalling the investigation, including the sheriff who is so obvious that he creates doubt rather than eliminates it. And why does the insurance company let their guy even try to prove it is murder when they will have to pay out double if it is? A reason is given, but I don't buy it, not even from corporations sixty years ago.Watch this one if you can. It certainly will keep you interested and guessing.

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.

Dennis O'Keefe stars in "Cover Up," a 1949 film also starring William Bendix and Barbara Britton. O'Keefe is insurance investigator Sam Donovan, who comes to a small town during the Christmas season to investigate the suicide of a man who had a $20,000 insurance policy; if it wasn't suicide, the policy pays $40,000. So far we're not talking about any numbers that have meaning for anyone in 2014, but this was a bundle in 1949 when the average annual salary was $3900.Everyone insists the man committed suicide, but there is no gun to be found, and a delay in getting the coroner's report, not to mention the laissez faire attitude of the sheriff (Bendix). Everyone is very vague about where their own gun is, to whom they lent it, and when. This includes Stu Weatherby (Art Baker), one of the town's most prominent citizens. Sam has met Weatherby's daughter (Britton) and fallen for her. But supposing her father committed the murder? Decent film where nothing really stands out except possibly the fresh young beauty of Barbara Britton. O'Keefe was a solid leading man and played this type of role often. It was fun to see Virginia Christine, a TV staple, and the woman who sold us Folger's Coffee for so many years. Doro Merande made the most of her part as the Weatherby housekeeper.All in all, okay.

O'Keefe and Bendix play off each other well. Pity they only made two films together.This whodunit had one of the standard B conclusions -- the murderer was left handed. There are a lot of perfect crimes in the B's that would have gone unsolved except that the guilty party was unwise enough to be born a South Paw.