Murder for Insurance: Highlighting Military Risks

In a recent episode of Deadly Women, profiler Candice DeLong highlighted the case of Paul Berkley, a US Navy reservist living in Raleigh, North Carolina. After returning from a deployment overseas to the Middle East in 2005 without injury, he returned home to his wife, Monique, who had him murdered by her teenage lover less then a week later. The motive was a common one I see in both murders and murder for hire cases in the military: Servicemen’s Group Life Insurance (SGLI) policy. The SGLI insurance plan offers increments of $50,000 up to $400,000. This case emphasizes the fact that military men and women are at risk of becoming victims of murder by their abusive, manipulative spouses or those who benefit from the large financial payout that comes with the death of a service member.

I recognized the motive to kill for the insurance money because I had studied other cases in the military involving this motive. It’s a pattern. Civilians are targeting our military members for the benefits and insurance money. So I googled “murder insurance military” today and found more examples to bolster this theory. Based on the research, it is mostly civilian women who murder their military husbands for the SGLI. Other cases involved military members who killed their spouse for the insurance payout. Although most of the cases are female civilians targeting military men, I did find two examples of male civilians targeting female soldiers for the insurance money.

In Their Name:
James Goodyear, US Air Force (Orlando, Florida, 1971)*
Kenneth Barnes, US Army (Fort Gordon, Georgia, 1972)*
Chester Garrett, US Army (Fort Bliss, Texas, 1977)*
Lee Hartley, US Navy (Jacksonville, Florida, 1982)*
Bill Lipscomb, US Air Force (Lackland AFB, Texas, 1986)
Anthony Riggs, US Army (Fort Bliss, Texas, 1991)*
Joseph Snodgrass, US Air Force (Clark AFB, Philippines, 1991)
David Russo, US Navy (Lemoore Naval Air Station, California, 1994)*
Elise Makdessi, US Navy (NAS Oceana, Virginia, 1996)*
Doug Gissendaner, US Army Veteran (Auburn, Georgia, 1997)*
Kevin Spann, US Army (Fort Gordon, Georgia, 1997)*
Marty Theer, US Air Force (Fayetteville, North Carolina, 2000)*
Lynn Reister, US Army (Fort Bliss, Texas, 2002)*
David Shannon, US Army (Fort Bragg, North Carolina, 2002)*
Jeremy Meyers, US Army (Fort Lewis, Washington, 2003)
Gary Prokop, US Army (Fort Hood, Texas, 2003)*
Philip Shue, US Air Force (Lackland AFB, Texas, 2003)*
Paul Berkley, US Navy Reserve (Raleigh, North Carolina, 2005)*
Michael Severance, US Air Force (Dyess AFB, Texas, 2005)*
Donald Gower, US Army (Fort Hood, Texas, 2007)
Gilbert Hart, US Army Retired (Clarksville, Tennessee, 2009)*
Travis McGraw, US Air Force Reserve (Saluda, North Carolina, 2011)
Patricia MacCallum, US Army Veteran (Medford, Oregon, 2012)
Isaac Aguigui, US Army (Fort Stewart, Georgia, 2014)*
Alphonso Doss, US Navy (Orange Park, Florida, 2014)*
John Eubanks, US Army (Fort Stewart, Georgia, 2014)*
Brandon Horst, US Army (Minnesota National Guard, 2014)*
Michael Walker, US Army (Aliamanu Military Reservation, Hawaii, 2014)
Michael Andrews, US Army (Fort Benning, Georgia, 2015)*
Dmitry Chepusov, US Navy (Armed Forces Network, Germany, 2015)*
Jonathan & Lenin Otero, US Army (Florida National Guard, 2015)
Nathan Paet, US Air Force (Nellis AFB, Nevada, 2015)*
Elizabeth Shelton, US Navy (Naval Station Norfolk, Virginia, 2015)**
David Wi, US Army (Fort Campbell, Kentucky, 2015)

The asterisk (*) denotes that the soldier was a victim of alleged homicide, homicide or attempted homicide for the insurance money. **Elizabeth Shelton and unborn baby survived the murder-for-hire plot.

Indeed the Servicemen’s Group Life Insurance has been a motive for murder as recently as 2015. As military members, we have the option to decline this insurance plan but most of us want to make sure our loved ones are cared for in the event something does happen.  If at any point, you choose your spouse as the beneficiary and then remove them as a beneficiary from the insurance policy, they are informed. It’s sad that a program created to ensure our families are taken care of in the event we die in combat has turned out to be a motive for sociopathic spouses to murder the insured. In this research, most of the cases involved civilian women targeting men serving in the Army.

In an effort to always look out for our troops and present information in a way that educates them, it is my hope that those serving in the military realize that they are in fact a target because of the benefits they have including the Servicemen’s Group Life Insurance policy. It’s unimaginable to most, that a person, let alone a woman, would be capable of these heinous crimes but it’s happening as evidenced by the Paul Berkley case on Deadly Women and the above listed cases.

As with most things, it is important to have a large data set to work with so the next part of this research could include a more in-depth look at cases on the internet and an analysis of the spousal relationship prior to the homicide. If there were red flags such as abuse, financial difficulties, etc., was there a place the soldier could turn to in an effort to help escape what could be a dangerous situation. There are lots of variables to consider and this helps open up the dialogue.

Both males and females are abusers, rapists, and murderers. Although most crimes are committed by men according to the research, we must have empathy for the situation male soldiers may find themselves in when they become victims of crimes. It’s also important to note that according to the Department of Defense over half the victims of sexual assault in the military are men and very little report the crime.

How many are victims of domestic abuse?
Where do they turn to for help if they are being abused by their spouse?
Do they go to the Commander and risk tarnishing their career in any way?
Do they turn to resources on base and risk them informing the Commander that they reached out for services?
Are they fearful they will risk the very career that provides for their children and families?
Are men not reporting being abused by their spouses because they are afraid the Chain of Command won’t believe them?
Are they afraid the Chain of Command will believe their spouse instead?
Are soldier’s being exploited and/or extorted by their spouses?

We need to make it clear to both our male and female soldiers that they have a safe place to turn to in the event they find themselves a hostage of a domestic violence relationship or a sexual assault by one of their own.  We most certainly do not want our male soldiers to feel isolated and end up dead simply because people can’t fathom that they can be victims and women can be wicked too.

Related Link:
Paul Berkley, US Navy Reserve, Murdered by Wife & Friends in North Carolina while Home on Leave from Middle East, SGLI was the Motive (2005)

Deadly Women Premiered ‘For the Money Honey’ on ID: Kelly Gissendaner & Lover Murdered Army Veteran Doug Gissendaner (September 26, 2014)

ID Go: For these women, one good man wasn’t enough. A middle-aged woman used looks to prey on elderly gentleman; an army wife didn’t want a soldier but a squad; and a serial wife cooks up meals to die for. These Deadly Women married for the money, honey. -Deadly Women (S8, E11)

Editor’s note: With a cable subscription, you can download the free ID Go app and watch Investigation Discovery programming at your convenience. And for those who do not have cable, you can watch “unlocked” episodes on the ID Go app including the latest premieres. For those who prefer commercial free programming during your binge session, Prime Video has an ID channel: ‘True Crime Files by Investigation Discovery” available for $3.99 a month. It’s a compilation of older seasons but totally worth the cost if you are a true crime addict. Download the ID Go app or purchase ID True Crime Files & binge away.

Related Links:
First We’ll Kill My Husband by Lyn Riddle (Amazon)
For the Money Honey | Deadly Women | Investigation Discovery (S8, E11)
For the Money Honey | Deadly Women | Investigation Discovery (website)
For the Money Honey | Deadly Women | Investigation Discovery (Amazon)
For the Money Honey | Deadly Women | Investigation Discovery (Hulu)
Army Veteran Doug Gissendaner Murdered for Marital Home & Life Insurance; Wife Kelly Sentenced to Death, Executed in Georgia (February 7, 1997)
Deadly Women: 30 Military and Veteran Homicide Cases Featured on Investigation Discovery

Army Veteran Doug Gissendaner Murdered for Marital Home & Life Insurance; Wife Kelly Sentenced to Death, Executed in Georgia (February 7, 1997)

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Doug Gissendaner, U.S. Army Veteran

Army veteran Doug Gissendaner was murdered by his wife Kelly and her lover Gregory Owen in Auburn, Georgia on February 7, 1997. Doug met his wife Kelly in 1989 in Georgia. Kelly was a party girl and had already been married for six months and divorced when she met Doug. She had a child from her previous marriage and Doug welcomed the child with open arms. Within two months, they were married and then Kelly got pregnant. Doug loved being a father, husband, and family man. Then Doug joined the Army and got stationed overseas in Germany. While Doug was away, Kelly resorted to her old ways and started partying at the clubs on base. Kelly loved being on base with soldiers since the military base was a ready supply of men. It was reported that Kelly was so promiscuous on base that eventually she was asked to leave and her and the children were sent back to the United States.

In 1991, Doug returned home from his enlistment in the Army. He decided to forgive his wife and they reunited. Shortly after the reunification, Doug learned that Kelly was pregnant with someone else’s child. He was disappointed to say the least as he wanted to keep his family together. Divorce was inevitable. But after three years of being alone, Doug was desperate to be with his family again. The couple remarried and moved in together. Doug put up with Kelly so he could be a family man and provider to the children. Kelly wanted a house so Doug bought her one. What Doug didn’t realize is that Kelly was having an affair with 25 year old Gregory Owen. Kelly approached Owen about three months prior to the murder and asked him to get rid of Doug. Owen didn’t take her seriously initially and suggested she simply divorce him.

On the day of the murder, Kelly drove Owen to her residence in Auburn where he would wait for Doug with a knife and a nightstick that she provided to him. Kelly went out drinking with her friends to establish an alibi. Owen ambushed Doug when he got home and forced him into his own vehicle. He then took him to a remote wooded area where he forced him on his knees, hit him on the head from behind with the nightstick, and stabbed him in the neck ten times. Owen paged Kelly after he was done. Kelly showed up to the crime scene, demanded to see the body, and used gasoline, an accelerant, to set Doug’s car on fire. Kelly Gissendaner reported Doug missing to the police the following day. Investigators suspected Kelly immediately because they believed she was not being truthful. They found Doug’s body eleven days later.

Kelly eventually admitted to police that she was having an affair with Gregory Owen and this tip led investigators to the man who would eventually confess to the murder of Doug Gissendaner. Owen was tormented with guilt and felt manipulated and used. As a result, Owen testified at Kelly’s trial that she wanted to cash in on an insurance policy and become the outright owner of the marital home. In exchange for his testimony, Gregory Owen was sentenced to life in prison with the possibility of parole in twenty-five years. Kelly Gissendaner maintained her innocence but was found guilty of malice murder and sentenced to death in 1998. She lived her prison life in solitary confinement and was executed by the State of Georgia on September 30th, 2015. Kelly Gissendaner wanted things her way no matter the cost and conveniently had her husband killed after he bought her a house.

Investigation Discovery:

For these women, one good man wasn’t enough. A middle-aged woman used looks to prey on elderly gentleman; an army wife didn’t want a soldier but a squad; and a serial wife cooks up meals to die for. These Deadly Women married for the money, honey. -Deadly Women (S8, E11)

Editor’s note: With a cable subscription, you can download the free ID Go app and watch Investigation Discovery programming at your convenience. And for those who do not have cable, you can watch “unlocked” episodes on the ID Go app including the latest premieres. For those who prefer commercial free programming during your binge session, Prime Video has an ID channel: ‘True Crime Files by Investigation Discovery” available for $3.99 a month. It’s a compilation of older seasons but totally worth the cost if you are a true crime addict. Download the ID Go app or purchase ID True Crime Files & binge away.

Related Links:
Find-A-Grave: Douglas Morgan Gissendaner
Family: Kelly Gissendaner’s murdered husband ‘is the true victim’
Gissendaner v State of Georgia 2000
Kelly Gissendaner execution postponed indefinitely
Sentence upheld against only woman on Georgia’s death row
Georgia’s only female death row inmate to be executed
Only woman on Ga. death row denied clemency, set for execution
Georgia woman’s execution postponed because drugs appeared ‘cloudy’
Kelly Gissendaner: 5 Fast Facts You Need to Know
Former Ga. chief justice regrets vote in Gissendaner case
WATCH: Kelly Gissendaner’s 1997 Interview on the Search for Her Husband
Kelly Gissendaner Death Unfair? Boyfriend Gregory Owen Did the Murders, Gets Parole in Eight Years
Georgia Executes Kelly Gissendaner, Renewing Questions About Death Penalty
Kelly Renee Gissendaner got her lover, Gregory Bruce Owen, to kill her husband Doug for the insurance money; She is now on death row
Execution Date Set for Kelly Renee Gissendaner, Convicted of Husband’s Murder
Georgia to execute its first female prisoner in 70 years
Kelly Gissendaner First Woman Executed in Georgia in 70 Years
Children of woman on Ga. death row plead for her life to be spared
Family split over whether Kelly Gissendaner should die tonight
Kelly Gissendaner Left Message for Kids Before Execution Was Postponed
Ga.’s female death row inmate’s last meal request
Georgia death row inmate requests 2 whoppers and more for last meal
Georgia Woman Kelly Gissendaner Sings ‘Amazing Grace’ During Execution
Georgia inmate Kelly Gissendaner executed after failed appeals
Georgia executes Kelly Gissendaner after Supreme Court denies stay requests
Kelly Gissendaner Executed in Georgia After Courts Deny Stay Requests
Kelly Gissendaner executed for planning husband’s murder as man who killed him escapes death sentence
She sang Amazing Grace then the drugs took hold and she stuttered into silence: As the state of Georgia executes its first woman for 70 years, a chilling dispatch from inside the chamber
Georgia executes Kelly Gissendaner, despite plea from Pope Francis
Detective recounts how he put Kelly Gissendaner on death row
The Premeditated Murder of Kelly Gissendaner
Justice has different meanings for Kelly Gissendaner’s family
Profile of Husband Killer Kelly Gissendaner
First We’ll Kill My Husband by Lyn Riddle (Amazon)
Review of First We’ll Kill My Husband
For the Money Honey | Deadly Women | Investigation Discovery (S8, E11)
For the Money Honey | Deadly Women | Investigation Discovery (website)
For the Money Honey | Deadly Women | Investigation Discovery (Amazon)
For the Money Honey | Deadly Women | Investigation Discovery (Hulu)
Deadly Women Premiered ‘For the Money Honey’ on Investigation Discovery: Kelly Gissendaner & Lover Murdered Army Veteran Doug Gissendaner (September 26, 2014)
Deadly Women: 30 Military and Veteran Homicide Cases Featured on Investigation Discovery