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)

Alleging Abuse, Family Hires Teenager to Kill Retired Army Recruiter Gilbert Hart for Control, Cash, Life Insurance & Military Death Benefits (June 2, 2009)

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Gilbert Hart, US Army Retired

Rebecca Hart came home to what she thought was a suspected robbery in progress on June 2, 2009. She called the police and what they discovered was that her husband, retired Army recruiter Gilbert ‘Gib’ Hart was dead. He had been shot once in the head but they found no gun located near him. An no cash or other valuables had been stolen from the home. Investigators quickly learned from a couple of local teenagers that Gib’s children, Becca and Alex, were involved in the crime. They discovered that the children had been looking for someone to kill their father for a few months. And they finally found someone willing to do it for them: John Patrick ‘JP’ George. Fifteen year old JP George was easily manipulated after learning that Gilbert abused Becca and Alex. JP had a mother who was a victim of domestic violence so he didn’t want anyone to go through abuse. Unfortunately for him, there was no abuse. Gilbert may have been controlling of the finances and the way he ran his house but he was no abuser. JP admitted to committing the crime and being hired by Becca and Alex to do it. They also gave him the gun of which he threw in the Savannah Lake after killing Gib. All three kids cracked when questioned by the police and eventually they gave up the real mastermind. Apparently Rebecca Hart asked her children to find someone to kill their father. She offered to pay someone $200 to kill Gilbert Hart so she could be out from under his control and have his cash, life insurance, and military death benefits. On the night of the crime, Rebecca also gave her son the code to the safe so he could gain access to the gun that would end Gib’s life. Rebecca Hart, Becca Hart, Alex Hart, and JP George all received fifteen years in prison for conspiracy to commit murder. Gib’s children from another marriage reiterated that their father was never abusive towards them and that his new wife and children did not deserve to use the Hart name.

ID Go: A former military man, Gilbert Hart believes a strict parenting style is the best approach with his rebellious teenagers, but his wife Rebecca thinks that he’s crossed the line. It isn’t long before, this family feud escalates into an all-out war… -Hart of Darkness, I’d Kill for You (S3,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:
Teenager arrested for her father’s murder
Arrests made in homicide of Gilbert R. Hart
Teen’s bond reduced in dad’s slaying
Rebecca Hart’s Bond Reduced; Mother Named Suspect
Clarksville teen charged in father’s murder appears in court
Clarksville Murderer for Hire Sentenced
Teen sentenced to 15 years for conspiring to murder father
Son’s testimony reveals details of 2009 Clarksville murder
Clarksville courts see emotional trials in 2014
Murder of Military Father Makes the Case for ‘I’d Kill for You’ on Investigation Discovery
I’d Kill for You: Hart of Darkness (S3,E4)