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.

I love finding lesser-known films that I haven't necessarily heard of before. The beauty of owning a DSS with a full premium movie package is that these kinds of films pop up regularly, although for every one worth watching you'll wade through five that stink. I ran across "The Settlement" last night and was actually quite impressed.

The gist of it: John Reilly and William Fichter play two guys who run a shady business wherein they buy out life insurance policies from dying customers. The clients get some cash before they die, and when they eventually kick off Reilly and Fichter collect the full benefit payout on the policy. Their business has hit the skids, however, and on the brink of bankruptcy in walks Barbara (Kelly McGillis). She's a terminal cancer patient with three months to live. For a $500,000 buyout she'll sign over her $2 million dollar policy.

As this is a much bigger deal than they are accustomed to and since they are nearly broke, Reilly and Fichter have to resort to some questionable means to obtain the $500,000. Reilly's character wants out of the business altogether but has a family to worry about. Fichter is the single, shoot-from-the-hip sort who acts now and worries about the consequences later. He has to convince Reilly that this is the deal they've been waiting for and that it will solve their financial problems once and for all. Conversations between the aggravated Reilly and the ever-scheming Fichter are well-written and very funny.

Barbara turns out to be something other than she first appears to be, and the movie takes off from there. It's well filmed and acted, and does a nice job of building suspense and the appropriate moments. The storyline is unique and made me wonder how Reilly and Fichter, who seem like decent enough guys, could have gotten involved in such a sleazy line of work.

I gave it 7 out of 10. My only real complaint is that the ending seemed hurried and a little too serious to fit the overall tone of the film. All in all, a good flick and worth your time if you get a chance.

I too enjoyed this film. It was just dark enough to make me question whether it was a drama or a comedy. I don't think this movie will ever make my top 100 list, but just as you cannot stop reading a good book, I couldn't stop watching this flick. It stayed within itself very well, which helped to make this a very solid and entertaining movie.

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.

This gets a 10.0 to offset whatever misinformed voters took it down to a 5.0, and it is a solid 8.0 viewing experience no matter what. Anytime death is the motivation for monetary gain in a dark comedy, it is usually a winning combination (see "Eating Raoul"). "The Settlement" has a creative script, great chemistry between John C. Reilly and William Fichtner, and some of the darkest humor in any film. It's a scam, noir, murder, that delivers inspired dialog without any distraction from it's minor budget. Seek this one out if you admire true "black comedy". It most certainly will hold up to repeat viewings. As a matter of fact I can't wait to watch it again. - MERK