The Settlement

I founded and own a successful Viatical and Life Settlement Brokerage, having been in life insurance since the '60's. This movie is a very good combination of black comedy, political and sexual satire, film noir mystery, and morality play. From my perspective, it gets better each time I watch it. Those of us in the industry know, of course, that key elements of the business side of the film are completely impossible, but it's easy to suspend disbelief and go along for the ride. About the only complaint I'd make is that the audio is at times very difficult to pick up, and I recommend boosting treble and minimizing bass to get all the interchanges between the two main characters. Lots of luck finding this movie via rental as not even Netflix carries it. I bought lots of copies for my Settlement business colleagues and a select few of my friends. If you liked Pulp Fiction, odds are you'll like this one...and vice-versa.

"The Settlement" gets out of the blocks quick exploring the contrasting philosophies of the leads, builds its unique premise into a clever story, and then runs out of gas turning into a very ordinary "give me the money or I'll shoot" flick in the end. At it's best, this angry film, which showcases a mere four actors, is only lukewarm. However, with the midstream good-bad guy switch and the unimaginative ending, the film fizzles. At this writing, "The Settlement" is where it belongs. On cable.

Obviously this movie was shot on the cheap, however it IS an enjoyable one. William Fichtner is great in it but Kelly McGillis'... teeth are too visibly fake and gives me chills each time she smiles.

The movie has a few twists in the plot, but what I really liked is the reversal of roles between the two protagonists: in the beginning of the movie John C. Reilly is the 'wise guy' and Fichtner is the materialistic one, while at the end of the movie Fichtner's fear make him more careful of his choices while John C. Reilly becomes the "i want it all" guy that Fichtner used to be like.

I bought the DVD of this movie, but unfortunately was only shot in 4:3 format and it didn't have any extras. Also, the quality of the picture is not fantastic, it was obviously shot with cheaper machinery.

As I said to my girlfriend as we were going to bed after watching The Settlement, I thought the person to blame for the way Hollywood films are today is none other than the loveable and extremely talented Steven Spielberg. He raised the bar so high that it's almost mandatory that every film be a special FX extravaganza. Then along comes a film like The Settlement. There are no aliens, no genetically gargantuan shark, no lost religious artifacts to be uncovered. What it does have is great dialogue and a great relationship between the main characters. John C. Reilly and William Fitchner run a sleazy business of buying terminal illness patients's life-insurance policies. The patient gets some cash to fulfill they're dying dream and when they die the partners get the full amount of the policy. It's like making a business out of death pools. Disgusting as this is, it doesn't matter. The guys are extremely likeable and when they're business starts to falter, I found myself pulling for them as they have one last chance to get out of financial ruin. The other great thing about The Settlement is the use of irony between the main characters. In the beginning,John C. Reilly's character is the weak, pessimistic one and William Fitchner is the strong optimist, than through one of the twists in the film the roles are reversed! I thank Premier magazine for recommending this film and others that I plan on viewing in the near future. I highly recommend this film. It was definately one of the freshest and entertaining movies I've seen in a while.

A nice surprise! A ballsy, unethical movie about ballsy, unethical people, but it's not a turn-off. John C. Reilly projects such amazing grace on-screen that it's easy to pass off what he does as standard. As an actor, he's solid, nonchalant and natural, and also very sexy (but, blessedly, not textbook handsome). Reilly always seems to have an extra card up his sleeve, and he's unafraid to be quiet just after racing through a foul-mouthed tirade. Here, he's in partnership with William Fichtner in a life insurance operation which is given a run for its money by a mysterious woman who says she only has three months to live. Low-profile film certainly afforded Kelly McGillis the best role she's had in years, and the twists in the screenplay are delicious. This went straight to cable. Too bad...it's more inventive than many other pictures which get a wide distribution. **1/2 from ****