Double Indemnity - James M. Cain [7]
"Be bold?"
"Be bold. It's the only way."
"If we shoot him it wouldn't be accident."
"That's right. We don't shoot him, but I want you to get the principle through your head. Be bold. It's the only chance to get away with it."
"Then how?"
"I'm coming to that. Another trouble with your swimming pool idea is that there's no money in it."
"They'd have to pay—"
"They'd have to pay, but this is a question of how much they'd have to pay. All the big money on an accident policy comes from railroad accidents. They found out pretty quick, when they began to write accident insurance, that the apparent danger spots, the spots that people think are danger spots, aren't danger spots at all. I mean, people always think a railroad train is a pretty dangerous place to be, or they did, anyway, before the novelty wore off, but the figures show not many people get killed, or even hurt, on railroad trains. So on accident policies, they put in a feature that sounds pretty good to the man that buys it, because he's a little worried about train trips, but it doesn't cost the company much, because it knows he's pretty sure to get there safely. They pay double indemnity for railroad accidents. That's just where we cash in. You've been thinking about some piker job, maybe, and a fat chance I'd be taking a chance like this for that. When we get done, we cash a $50,000 bet, and if we do it right, we're going to cash it, don't make any mistake about that."
"Fifty thousand dollars?"
"Nice?"
"My!"
"Say, this is a beauty, if I do say it myself. I didn't spend all this time in this business for nothing, did I? Listen, he knows all about this policy, and yet he don't know a thing about it. He applies for it, in writing, and yet he don't apply for it. He pays me for it with his own check, and yet he don't pay me. He has an accident happen to him and yet he don't have an accident happen to him. He gets on the train, and yet he don't get on it."
"What are you talking about?"
"You'll find out. The first thing is, we've got to fix him up with that policy. I sell it to him, do you get that?—except that I don't sell him. Not quite. I give him the works, the same as I give any other prospect. And I've got to have witnesses. Get that. There's got to be somebody that heard me go right after him. I show him that he's covered on everything that might hurt the