Bernard Joseph Gorman, 26, was arrested in Florida on Wednesday in connection to the September 2014 death of 72-year-old Anita Fox, according to police.
Fox was found bludgeoned and stabbed inside her employer's Colleyville home, where she worked as a housekeeper.
Bernard's father, 48-year-old Gerard Gorman, was the initial focus of the death investigation based on a sketch from a witness account. Police said Wednesday that Gerard is the one who actually killed Fox, but he died of natural causes last month.
Police believe Bernard helped plan, participated in and tried to hide his part in the killing.
"It's believed that they followed her for a few days to determine her habits and looking for the right time to carry out the murder," said Colleyville Police Chief Mike Holder.
According to the arrest warrant affidavit, Fox had a $1 million life insurance policy, and "the policy ownership and beneficiary had been transferred in 2013."
Additionally, "Gerard Gorman and (at least two others) were paying $700 dollars a month each to maintain this policy."
Police don't think the suspects knew Fox or that she knew them, and detectives say the suspects killed her to collect on that policy.
"She was specifically targeted as a result of an insurance fraud scheme," said Holder.
The suspects were seen at the crime scene in a tan truck with a ladder rack.
According to the arrest warrant affidavit, someone saw that truck two days before Fox's death and "became suspicious of this vehicle and had his wife take a photograph of the pickup with her cell phone."
That picture was how detectives found Bernard -- the vehicle was registered to him.
Bernard initially denied his role in Fox's death, but that changed when his father died and police questioned Bernard again.
According to the arrest warrant affidavit, Bernard finally admitted that he drove his father to the house where Fox's body was later found, telling police "when his father exited 501 Frontier Court and re-entered his vehicle, his dad, Gerard Gorman had blood on his arm that was not present when he exited the pick-up."
"After brutally murdering Ms. Fox, the two suspects immediately drove back to the Houston area," said Holder.
The owner of the home where Fox was killed was stunned upon learning of the arrest and some of the details in the arrest warrant affidavit.
She said she is still so sad for Fox's family.