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)

Navy Seaman Elizabeth Shelton and Unborn Baby Survive Murder-For-Hire Plot; Spouse & Two Acquaintances Guilty of Conspiracy to Commit Murder for Life Insurance (August 22, 2015)

US Navy

Navy seaman Elizabeth Shelton, 19, stationed at Naval Station Norfolk, Virginia survived a brutal assault in her home on August 22, 2015. Police got a call for a suspected home invasion and found Shelton unconscious, lying in a pool of blood. She suffered extensive facial injuries and was having difficulty breathing; she was rushed to the hospital. Shelton’s husband Anthony Johnson was also hurt during the home invasion. He reported that one of them tried to choke him to death while he lay in his bed. Johnson also reported that some of his friends stole his car. This led police to Tristan Reeder who told them that Johnson hired him and two others to kill his wife in exchange for the life insurance. Reeder said Johnson promised to give him $40,000 and Robert Burnette $70,000. Reeder also told police he pretended to choke Johnson unconscious while Burnette actually choked Shelton. Burnette then threw her off the bed and stomped on her head a half dozen times. They took off in Johnson’s car after they saw blood.

Three men were indicted on charges for trying to kill Anthony Johnson’s pregnant wife in a murder-for-hire plot: Robert Burnette, 19; Tristan Reeder, 21; and Joseph Apodaca, 21. They were charged with conspiracy to commit second-degree murder and conspiracy to maliciously wound Elizabeth Shelton. Anthony Johnson, 21, was charged with three felonies connected with hiring the men to kill his wife. Court documents revealed that Johnson promised Burnette and Reeder more than $100,000 after he cashed in Shelton’s $400,000 life insurance pay-out. Reed, Burnette, and Johnson were held in Norfolk City Jail while they awaited trial. Johnson claimed he was framed and Elizabeth initially believed that he was innocent. She thought the men broke into the apartment because they were mad after they kicked them out the day before.

“He [Anthony Johnson] called my mother from jail and told her it wasn’t true,” Elizabeth Johnson said. “She told me he’s innocent. I didn’t have to ask him, I believed him.” -WAVY

In May 2o16, Anthony Johnson was found guilty of plotting to kill his pregnant wife in exchange for money from her life insurance policy. Joseph Apodaca testified in court that Johnson had been pressuring all three of them to kill his wife and make it look like a break-in. Initially Apodaca agreed but then when it came time to execute the plan, he backed out. A civilian jury sentenced Johnson to 35 years: 25 years for attempted capital murder, 5 years for conspiracy to commit capital murder, and 5 years for malicious wounding. Robert Burnette was found guilty of attempted capital murder and sentenced to 27 years in prison with 15 years suspended. Tristan Reeder pleaded guilty to attempted capital murder for hire and was sentenced to 5 years in prison. Apodaca was charged with failure to report a felony and sentenced to 12 months in jail. Elizabeth Shelton recovered and gave birth to a healthy baby girl.

Related Links:
3 men charged in plot to kill acquaintance’s wife
Police: Man hired trio to kill pregnant wife
Man accused of hiring hit men: I didn’t try to kill my wife
Husband charged with murder-for-hire claims he was framed
Man accused of plotting pregnant wife’s murder says he’s innocent
Judge certifies murder-for-hire charge against Anthony Johnson
Charge against husband in Norfolk murder-for-hire plot certified to grand jury
Court documents map out timeline of Norfolk murder-for-hire case
Suspect in murder-for-hire plot testifies against victim’s husband
Man found guilty in Norfolk murder-for-hire plot of pregnant wife
Jury finds Norfolk man guilty in murder-for-hire case
Virginia man convicted of hiring hit men to kill wife for life insurance
Man sentenced to 35 years in prison for murder-for-hire plot
One of three men in Norfolk murder-for-hire sentenced to 12 years in prison
Man sentenced in husband’s murder-for-hire plot against pregnant wife
Hearing continued for suspect in Norfolk murder-for-hire
Guilty plea in murder-for-hire plot
Vancouver, Wash. Native Serves with Naval Beach Group TWO (NBG 2)