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)

Eddie Makdessi Convicted of Two Counts of 1st Degree Murder in Virginia; Given Two Life Sentences for the Homicides of Navy Sailors Elise Makdessi & Quincy Brown (March 16, 2006)

Eddie Makdessi.jpg
Eddie Makdessi, U.S. Navy Spouse (photo courtesy of 48 Hours NCIS)

Navy Petty Officer Elise Makdessi worked as an Air Traffic Controller at Naval Air Station Oceana in Virginia. Elise was married to Eddie Makdessi for five years and they lived off base in Virginia Beach. Elise unknowingly helped plan, organize, and carry out her own murder and it is unclear if she was a willing participant in the original plot with Eddie to scam the government out of money or if she was controlled by Eddie. Eddie Makdessi murdered Elise Makdessi and Navy Petty Officer Quincy Brown on May 14, 1996 as part of an elaborate scam. The whole thing was a set up. Elise thought she was part of an arrangement where she would invite Quincy Brown to the house, have sex with him, then accuse him of rape. She also manufactured evidence to make it look like she was documenting sexual abuse in an effort to sue the Navy and make millions. She had journals and created what looked like a rehearsed video outlining what four Navy men, including Quincy Brown, did to her on the job.

Five years earlier in 1991 the Navy Tailhook scandal in Nevada made national headlines. Navy Lieutenant Paula Coughlin was one of the alleged victims who went public with her story. Two years before Elise and Quincy were murdered, Paula Coughlin won 1.7 millionafter suing the Las Vegas Hilton hotel where the Tailhook Association convention was held. Eddie must have convinced Elise that they too could make millions if they alleged that Elise was sexually assaulted on the job. What they didn’t realize is that you can’t sue the Navy; Coughlin won a lawsuit against the Hilton hotel. The Feres Doctrine prevents any soldier or their family from suing the Department of Defense for compensatory damages. Investigators believe that knowledge of this information gave Eddie and Elise Makdessi the motive to come up with the false accusation scheme to sue the Navy. Eddie was a scammer and always looking for new ways to make quick money. Elise didn’t know she was double crossed until Eddie was plunging the knife. A month before the murders, Eddie purchased $700,000 worth of life insurance on Elise.

Eddie and Elise Makdessi invited Petty Officer Quincy Brown over to the house under the guise of having a threesome. DNA evidence revealed that Elise and Quincy Brown had sex. Investigators would learn that Eddie shot Quincy first, then stabbed Elise. He hurt himself to make it appear that Quincy invaded the house, knocked him out, raped and killed Elise, and then he awoke from unconsciousness and shot the intruder. Eddie staged the crime scene and he almost got away with it. But investigators figured out this was a ‘set up’ based on the crime scene evidence, interviews with Elise’s co-workers, the video tape, and the large insurance policy. They were also savvy enough to recognize that this was a copycat case. Elise’s sexual harassment and sexual assault claims were in fact fabricated. All the men she accused of sex crimes in the video passed a polygraph examination and her supervisors testified that Elise never reported sexual harassment or sexual assault like she claimed in her video testimony. Unfortunately Quincy Brown was the pawn they used in their game and he never got the chance to see that the allegations were proven false.

Eddie was indicted in 2001. But by the time investigators were ready to arrest Eddie Makdessi for the murder of Elise Makdessi and Quincy Brown, Eddie had fled the country. They eventually caught up with him in Russia. Unfortunately, Russia did not have an extradition treaty with the United States so police could not force Eddie to come back to the states. Mike Mather, an investigative reporter, went to Russia to interview Makdessi and learned that he was remarried with a child yet things weren’t going so well for Eddie financially in Russia. After that interview, Eddie decided to leave his wife and child in Russia and go back to America to face the charges. He was going to prove his innocence and clear his name. He was sure he would beat the charges. It would be ten years after he committed the first degree murders of Elise and Quincy Brown before he went to trial. On March 16, 2006, Eddie Makdessi was convicted of two counts of murder, sentenced to life in prison, and ordered to pay a $202,500 fine. The motive was the life insurance money. He used the $700,000 payout to travel the world before settling in Russia. Eddie continues to deny committing the crimes.

Elise Makdessi’s sister, Dawn Crosby, asked the jury to “show Eddie Makdessi that my sister’s life was worth more than $700,000.” –The Virginia-Pilot (March 17, 2006)

Victims:


Forensic Files:

Full Episode: Virginia Beach police arrive at the Makdessi apartment to find Elise Makdessi and her lover, Quincy Brown, dead. Elise’s husband Eddie had reported that he killed Quincy Brown in self-defense after Brown had murdered Elise. Eddie gave the police a videotape Elise had made a week before, alleging that she had been the victim of sexual harassment. -Double Cross, Forensic Files (S13,E5)

Investigation Discovery:

Paramedics respond to a horrific crime scene – a woman is found tied to a bed with slashes across her body. Next to her on the floor, a man with three gunshot wounds. Detectives spend the next several years unraveling this bizarre mystery. -Last Man Standing, Solved (S2,E10)

When a Naval Officer is apparently raped and stabbed by a coworker, a mysterious VHS tape suggests the victim may have been silenced to prevent a scandal. Dogged investigation and cutting edge forensic science reveals a shocking murder plot. -Deadly Accusations, Unusual Suspects (S7,E4)

Editor’s note: With a cable subscription, you can download the free ID Go app and watch all of the 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. Download the ID Go app and binge away. 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 $2.99 a month. It’s a compilation of older seasons but totally worth the cost if you are a true crime addict.

Related Links:
Tailhook Plaintiff Wins Suit (1994)
DSS Returns Double Homicide Suspect to U.S.
Man accused of killing wife, her lover a decade ago finally to go on trial
Forensic Expert Uses Blood to Re-Create 1996 Slayings
Jury recommends life sentence for Makdessi
The word of a jailhouse snitch: Can it be trusted?
Officer, paramedic recall Elise Makdessi’s death
You’ll never believe what a convicted killer is requesting from a judge
State of Virginia: Adib Eddie Makdessi v. Harold Clarke (2016)
Eddie Makdessi Wiki: Sex, Lies, Videotape, Murder, and Conviction
Updates on James Kidwell and Eddie Makdessi | Forensic Files Now
Female sailor’s false rape allegation, plot fails | A Voice for Men
Navy Petty Officer Elise Makdessi Double Crossed & Murdered by Husband; Eddie Makdessi Found Guilty of Murder for the Life Insurance, Sentenced to Life in Prison (May 14, 1996)
Navy Petty Officer Quincy Brown Murdered by Military Spouse Motivated to Kill by Wife’s $700,000 Life Insurance Policy (May 14, 1996)
Press Release: Department of State Returns Double Homicide Suspect Adib “Eddie” Ramez Makdessi to U.S. (July 22, 2003)
Solved Premiered ‘Last Man Standing’ on ID: Navy Sailors Elise Makdessi & Quincy Brown Found Murdered in Makdessi’s Virginia Home (October 26, 2009)
Unusual Suspects Premiered ‘Deadly Accusations’ on ID: Navy Sailors Elise Makdessi & Quincy Brown Found Murdered in Makdessi’s Virginia Home (January 25, 2015)
48 Hours NCIS Premiered ‘The Double Cross’: Navy Sailors Elise Makdessi & Quincy Brown Found Murdered in Makdessi’s Virginia Home (April 25, 2017)
Forensic Files Sex Crimes Double Cross 1
Forensic Files Sex Crimes Double Cross 2
Deadly Accusations | Unusual Suspects | Investigation Discovery (Amazon Video)
Deadly Accusations | Unusual Suspects | Investigation Discovery (S7,E4)
Last Man Standing | Solved | Investigation Discovery (S2,E10)
Last Man Standing | Solved | Investigation Discovery (website)
Servicemen’s Group Life Insurance is a Common Motive for Murder