I had read these two explanations as well. One had the added comment that MacMurray, as a devout Roman Catholic, would not remove his wedding ring, even if it did not fit in with the character he was portraying. The other is that perhaps the insurance company wanted the salesmen to wear rings so that female clients would not think they were "on the make," something like the idea Billy Wilder may have had. However, the wedding ring (however holy) did nothing to protect MacMurray's character from the temptation posed by Barbara Stanwyck's character!
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