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)

A Very Realistic Military Game | Inside Amy Schumer (August 26, 2014)

Amy discovers that her boyfriend’s war game unfolds very differently when the player chooses a female character. -Inside Amy Schumer, Comedy Central (August 26, 2014)

The sketch says it all… there’s a reason the majority of service members don’t report crime. Character assassination and retaliation is real for both male and female victims of crime in the military. Their lives, reputations, careers, and futures are dependent on the actions of the convening authority who has the power to do nothing. In the civilian world, after reporting a crime to the local police department and evidence is gathered, a prosecutor determines whether or not a case moves forward in the judicial system. The Military Justice Improvement Act (MJIA) attempts to mirror this process and was reintroduced in June 2019, yet again was not allowed on the Senate floor for a vote. The last cloture vote on the way the military should handle felony crimes was on March 6, 2014. Invoking cloture means 60 Senators or two-thirds is required for passage of a bill as opposed to the majority of Senators. The biggest opponents of the MJIA were former Senator Claire McCaskill (D-MO) and former Senator Kelly Ayotte (R-NH), both since voted out of the Senate and replaced by Senator Joni Ernst (R-IA) and Senator Martha McSally (R-AZ). This pair of military officers are proponents of keeping the Chain of Command involved in the decision making process of adjudicating felony crime despite what the majority of military sexual assault survivors have asked for because the fear and retaliation continues. Meanwhile, the fight for military justice reform rages on. #PassMJIA

Related Links:
Inside Amy Schumer – A Very Realistic Military Game (YouTube)
Inside Amy Schumer – A Very Realistic Military Game (website)
Inside Amy Schumer: Military Video Game and Victim Blaming
Best of 2014: Inside Amy Schumer’s military rape sketch
The 11 Best Sketches from ‘Inside Amy Schumer’ Season 2
Amy Schumer Plays a Very Realistic Military Game (Trigger Warning)
Here’s Why You Don’t Want To Play A Female Character In A ‘Realistic’ Military Game
Amy Schumer Realizes Military Games Are Not Fun for Female Characters
15 feminist Amy Schumer sketches that will make you stand up and cheer
Amy Schumer’s Top 5 Feminist Comedy Sketches
The top 10 funniest sketches from ‘Inside Amy Schumer’
Amy Schumer: ‘I don’t try to be feminist. I just am. It’s innately inside me’
Amy Schumer Is A Feminist Icon & Here’s 5 Undeniable Reasons Why
5 jokes that explain how Amy Schumer became the new queen of comedy
Breathless: Why Amy Schumer Is an Amazing Feminist
Amy Schumer’s Call of Duty: The Comedic Art of Straddling the Line Between Humor and Hurt

Senator Kirsten Gillibrand Leads Bipartisan Coalition to Reform the Military Justice System: Introduced the Military Justice Improvement Act (2013)

Gillibrand Leads Bipartisan Coalition to Reform Military Justice System
Senator Susan Collins Leads Effort to Reform Military Justice System to Address Sexual Assaults

Washington D.C. – During a news conference today, U.S. Senators Susan Collins and Kirsten Gillibrand (D-NY), along with a bipartisan group of their colleagues in the Senate and House, announced new legislation that would reform the military justice system by removing the prosecution of all crimes punishable by one year or more in confinement from the chain of command, except crimes that are uniquely military in nature, such as disobeying orders or going Absent Without Leave. 

Senators Collins and Gillibrand were joined by survivors of sexual assault in the military, including Jennifer Norris of Maine, and by representatives from organizations who assist victims of Military Sexual Trauma. The Military Justice Improvement Act would for the first time remove the decision whether to take a case to special or general court-martial completely out of the chain of command and give that discretion to experienced military prosecutors for all crimes punishable by one year or more in confinement, except crimes that are uniquely military in nature, such as disobeying orders or going AWOL. 

“To be sure, the vast, overwhelming majority of our military personnel are honorable, conscientious, and respectful individuals, not rapists or harassers. It is for their sake that the pattern of covering up, blaming the victim, and failing to provide even the most basic protections that has been all too common for far too long must end,” said Senator Collins. “What does it say about us as a people, as the nation, as the foremost military in the world when some of our service members have more to fear from their fellow soldiers than from the enemy? This epidemic of sexual abuse cannot stand. We must ensure that justice is swift and certain to the criminals who have perpetuated these crimes.”

Gillibrand Leads Bipartisan Coalition to Reform Military Justice System (Full Video)

With tears streaming down her face, Jennifer Norris, a former Technical Sergeant in the Air Force, describes her harrowing experience with sexual assault and the difficulty she had in seeking justice within the military chain of command, saying, “The system is rigged against the victims” and in favor of the “often higher-ranking perpetrators.” [VIDEO]

Norris, who did not serve in Hawaii, said she’d been reluctant to report the rape because, “in the Air Force, I witnessed first hand what happens to those who stepped forward to report their assaults. I did not want to be stigmatized for reporting my assault — as I tried to move forward with my career. Instead, the best option for me was to try and endure it, to suck it up and try and make it until I could get transferred somewhere else — only to have it happen over and over again, like a recurring nightmare.”

She never did get justice, she said, even when she did come forward. “My perpetrators were allowed to resign in lieu of Administrative Hearings, which would have become a matter of public record. My command never offered the chance to proceed with a court martial.”

She said, “If the chain of command had been removed from handling sexual assault cases before I was attacked I believe justice would have been served or perhaps it would have been prevented in the first place.”

-Jennifer Norris (Civil Beat, May 16, 2013)

Gillibrand: “I’m Distressed That The Victims’ Voices Aren’t Being Heard In This Debate

Gillibrand: “I’m Distressed That The Victims’ Voices Aren’t Being Heard In This Debate

Related Links:
Sexual assault victim: “The system is rigged”
‘A Place to Begin’ by Jennifer Norris, USAF Retired [Video]
Air National Guard Recruiter Drugs and Rapes New Recruit (1996)
Sexual Assault and Abuse of Authority at Keesler Air Force Base (1997)
Non Combat Deaths of Female Service Members in the U.S. Military (Iraq)
House Armed Services Committee Initiatives Regarding Military Sexual Assault (2011)
Combat Military Rape, Jackie Speier Introduces Legislation and Campaign (2011)
Air Force TSgt. Jennifer Norris Testified Before the HASC in Washington DC (2013)
Defense Department Rescinds Direct Combat Exclusion Rule; Services to Expand Integration of Women into Previously Restricted Occupations and Units (January 24, 2013)
Pentagon battling military rape “epidemic” (2013) – CBS News
Now That Women Are Cleared For Combat, How About A Rape-Free Workplace? (2013)
Senator Collins Leads Bipartisan, Bicameral Effort To Reform Military Justice System (2013)
Military sexual assault victim Jennifer Norris discusses new bill – Democrat & Chronicle
Bill would take sexual assault cases out of commanders’ hands – Democrat & Chronicle
Legislation Aims to Strengthen Prosecution of Sexual Assaults in Military
Senators Lead Push To Change Military’s Sexual Assault Policy – NPR
Senators Lead Push To Change Military’s Sexual Assault Policy – NPR
Bill attacks ‘epidemic’ of military sex assaults – Portland Press Herald
Hawaii Delegation Backs Reforms Against Military Sexual Assaults
Changes proposed as military struggles with sex assaults
Military cracks down on rampant sexual abuse – CBS News
Obama, lawmakers tackle military sexual assault – The State
Gillibrand Builds Bipartisan Support for Change of Military Justice Code (UPDATED)
US Military Officials Call Sex Abuse In Ranks Serious Problem
The Deep Cultural Roots of Military Sex Abuse – CT Mirror
Military sex assault victims get aspirin: Our view – USA Today Editorial Board
Sexual assault victims say military’s promises of reform don’t go far enough
S. 967: Military Justice Improvement Act of 2013 – U.S. Senate Voting Record (March 6, 2014)
Senator Collins speaks in support of efforts to address military sexual assault (March 7, 2014)
Gillibrand turns empathy into political stock in trade (Poughkeepsie Journal)
The Modus Operandi of Social Justice Warriors (2016)
Vox: The War in Congress Over Rape in the Military, Explained (June 8, 2016)
Trends in Active-Duty Military Deaths Since 2006 | Congressional Research Service (2020)
“Veteran Advocates” Use Defamatory Newspaper Article & the Small Town Cops Who Created the Narrative to Bounce Medically Retired Service Members Out of the Advocacy Game (2024)
Military Injustice: Nowhere to Turn, Nowhere to Run, Nowhere to Hide; The Story of Kamisha Block and How U.S. Army Leadership Contributed to Her Death

House Armed Services Committee Initiatives Regarding Military Sexual Assault (2011)

PDF for House Armed Services Committee Initiatives Regarding Sexual Assault