August 11, 2025 • 42 mins
Ever wondered what happens when child support or alimony payments suddenly stop because of circumstances beyond anyone's control? Ron Platt has created the solution that divorce attorneys, judges, and families have needed for decades.
Ron's website: NASDF.org and Support Insured
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Hello and welcome to the show.
Thanks for tuning in this weekand I am thrilled to have my
guest today talking about a veryinteresting and unique topic
today.
But before we jump into that, Ijust wanted to remind you to
check out thedivorcedadvocatecom.
I want to welcome Craig andGreg that rhymes, craig and Greg
(00:23):
to the Divorced Advocatecommunity this week.
If you're not part of it yet,check it out.
There are tools and there areresources for any dad that is
going through divorce.
Wherever you're at in thedivorce process before, during
and after, wherever you are atfinancially, wherever Just get
involved.
We've got all kinds ofresources, from free to paid.
(00:45):
Check it out atthedivorcedadvocatecom.
And also the Foundation forFathers is up.
It's going.
This is a great, greatorganization that is helping
dads in need.
If you are a dad in need, getcontact with me.
We've got some sponsoredmemberships for you.
But also if you know a businessor you are a business owner
(01:08):
that takes credit cards, getthem in contact with me because
we can save them money and wecan fund the foundation for
fathers ongoing through the bankfees that go come back to us
instead of going to the bank.
So it's a win-win for everybody.
Cost business owners nothing.
It is really awesome andamazing.
(01:28):
So get them in contact with me,or get in contact with me at
jude at thedivorcedadvocatecom.
All right, my guest today, ronPlatt, is a lifelong
entrepreneur who launched hisfirst venture at 18 years old.
After graduating from FloridaState University, he dove into
the insurance industry,gravitating towards product
(01:51):
development, especially in nichemarkets most underwriters
avoided.
It was during this time thatthe idea for the National
Association for Single andDivorced Families, nasdf, and
its insurance arm, supportInsured, first took shape.
Though the concept begandecades ago, it took 30 years to
(02:11):
bring it to life.
For the past 23 years, ron hasbuilt a successful career in
real estate, guiding homebuyersand sellers, helping investors
grow their returns and advisingdevelopers from concept to
design.
But his true passion lies inNASDF and its mission,
advocating for foster care,reform and breaking cycles of
(02:32):
intergenerational poverty.
Together with co-founder JoyReid, he launched NASDF and
recently they introduced SupportInsured, the first and only
divorce insurance product on themarket.
Ron, welcome to the show.
Speaker 2 (02:48):
Thank you, sir, thank you, jude.
I'm pleased to be here.
Speaker 1 (02:52):
Man, I'm so excited to talk to you about this and I
say every week.
I'm so excited because thereare so many exciting things
going on.
It seems like recently there'sa lot of exciting stuff and what
you have created here is reallyabsolutely amazing.
And I want to get into talkingabout support insured, but first
tell us a little bit about kindof what I mean, talk a little
(03:15):
bit about it, but what led youto start NASDF and kind of your
story.
Speaker 2 (03:21):
Yeah, so when I was doing the insurance product I
worked with my dad at the time,who I always joke.
When Lloyd's of London startedin the 1800s, my dad was there
doing the first policies, that'show long he was in the
insurance business.
But we were sitting having lunchand he said you know, I always
wanted to come up with a productthat would guarantee child
support and alimony for death,disability and involuntary
(03:42):
unemployment.
And I looked at him I saidthat's fricking brilliant.
And he goes, yeah.
And I said well, you know, wehave an association, why don't
we switch it over and cater topeople who are getting divorced?
And he said oh, that'sbrilliant.
And he said but don't launchthe association until we get the
insurance done.
So my dad was like a pit bull.
He would not let go and forlike the last 25 years or 30
(04:06):
years he tried placing theinsurance.
Now he was able to get stuffdone.
Nobody else was able to do it.
This was the one product thatevery insurance company we went
to said no.
And it wasn't because it was ahigh claims or it was not
profitable or something likethat.
It was just out of the box andit was in an industry that a
majority of the world doesn'tlook at, which is divorce.
(04:27):
It's very voodoo type thing.
Other than a family lawattorneys.
A lot of people don't understandwhat the needs and wants are,
so I kind of shelved it for awhile, I came across an investor
who had approached me about it.
I rushed it off, updated thebusiness plan and every time I
would look at the business planI realized this is my passion.
I want to be able to providehelp and services and support
(04:50):
and resources for people who aregetting a divorce and get them
to restart their lives and givethem a strong foundation during
this transitionary period.
And so the investor, afterworking with me for three months
, said no, we're not interested.
If it's so good, why hasn'tsomebody else done this?
And we modeled ourselves afterAARP and most of us know who
(05:10):
AARP is.
And I said if AARP has 36million members, why hasn't
somebody competed with them?
And he said yeah, I know, yousaid that once before, but we're
going to go ahead and pass.
So I'm driving home and my dad,who had since passed, sends me a
message that I hear veryclearly and he says you don't
have crap, you need to gomortgage the house and start the
(05:32):
business.
And I thought, okay, I'mdriving home, I got the top down
, I'm thinking about it.
I get home and I sit with myrisk adverse better half and say
you know, this is my passion.
I've been wanting to do thisfor the last 20 years.
It's either you got to step upand make it happen or you just
got to.
You know, throw it away.
And I'm not going to throw itaway.
So we need to borrow some moneyon the house.
(05:53):
He asked what's the best case,worst case scenario?
And I said the best casescenario is we create this
magnificent company that canhelp hundreds of thousands of
people across the country and wegive the money that we make a
majority of it back to makingbetter things happen with it, or
this whole thing screws up andour mortgage payment's $1,000
more than what we're payingright now and we still have
(06:15):
equity in the house.
So he said yes, we went aheadand did that.
I hired a PR company and itwasn't just putting the website
together, it was reconnectingwith a lot of the people I used
to do business with who werereally happy to hear that I was
getting back in the business,and it's the company that takes
the credit cards, the enrollmentcompany.
There's massive amounts ofthings that happened behind the
(06:35):
scenes that needed to cometogether and when they say it's
meant to be it all just veryeasily, I'm saying easy, it took
us almost a year to put ittogether, but everybody was
happy to reconnect and to wantto be part of this association
About six months ago.
So we started the association.
(06:56):
We did a light kickoff.
We were really waiting to getthe insurance in place and about
six months ago an old friend ofmine called up and said did you
ever place the insurance?
I said no, and he goes I havesomebody I want you to talk to.
And he gets the 70-year-oldunderwriter on the phone and I
love these older underwritersbecause they were the original
risk takers.
They didn't overthink it.
They said what's the worst case, best case scenario?
(07:18):
What's the premium you think wecan charge and can we change
the premium if it starts to gohaywire?
And the answer was yes, yes andyes.
He said do you have an actuaryreport?
I said I do.
I sent it to him and about two,three weeks later he called
back and said we're going to doit, we love it.
And I was so emotional about it.
I remember looking up at my dadgoing oh my God, I think I just
did this.
(07:39):
So it was very healing for bothof us.
Then it was a matter of comingup with the software to go ahead
and make sure it's as easy aspossible to purchase and get a
policy, and I originally wentwith the wrong company, ended up
going with the right company.
As of two Fridays ago welaunched it.
It's now on our website.
Support Insured is live andactive.
If you go to our website,nasdforg, you'll see an
(08:03):
insurance button.
Hit that icon and it'll tellyou everything you want to know
on how to enroll and immediatelysign up.
So yeah we're pretty excitedabout it.
Speaker 1 (08:12):
That's amazing.
I love the background andthat's why I always ask there's
always a beautiful background towhy somebody gets involved,
especially in divorce anddivorce being involved with
divorce or divorce people orhelping or whatever, and it's
always, it's always a passion,it seems to be always a passion
project and and because somebodycares or there's some
(08:36):
significant background orsomething that's come up.
Speaker 2 (08:39):
So for me it's about life experiences that I've gone
through, that I can help peoplecome out of.
I'm a foster parent.
I took my kid in at 13 yearsold.
It was not easy.
Clearly he had been abused, hehad been neglected.
And then I get him and I missedher love and I tried to pour
(09:00):
that into him and of course hewas apprehensive at first but
eventually came around and Inoticed a lot of the services
that I was trying to get himthrough the system were failing.
So thank God I was in aposition to afford private care,
but a majority of the peoplecan't.
And in no way am I saying thatthe caseworkers are not doing
their jobs.
I think they do a fantastic job.
I think that the states areunderfunded and these
(09:22):
caseworkers are overwhelmed.
So what ends up happening isthe kids end up suffering.
So I knew back then and we'retalking almost 20 somewhat years
ago that I wanted to have avoice to give to these kids to
make sure that they were gettingthe right kind of treatments
that they were meant to have.
I remember taking my kid toschool one day and he started
pointing out all the friendsthat he knew that were on the
(09:43):
side of the streets that werehomeless and I said, come on,
there's not that many homelesskids out there.
And he goes oh yeah, they are.
And he would start pointingthem out and then I could not
see it.
Everywhere I went I saw thatthere were these homeless kids
who were either foster kids thatleft foster care or were kicked
out of their homes and Ithought I got to help these kids
somehow.
So it evolved from that towatching my friends go through
(10:06):
horrible divorces.
I call mine the undivorced.
I was never married to my exbut I went through 14 years with
him and knowing the differenceof being loved conditionally and
unconditionally were huge.
I went into an unconditional Imean a conditional love
relationship because that's howI was brought up, so naturally I
was going to have arelationship like that.
(10:27):
And the last two years of thatrelationship were so bad that I
still have PTSD over it and wentthrough the same stuff as every
divorce goes through.
We had to hire an attorney.
He went after the properties.
He would not stop aftereverything was done.
I mean it was a horribleexperience that I thought I
would never get out of, but Isurvived.
(10:49):
And I not only survived, Iflourished and I want to be able
to show people how I did it,what tools I used.
Take the experiences that myfriends have gone through and be
able to make it better, moreefficient, and let people know
there is a life after divorceand it's going to get better if
you've learned from it and notrepeat the same mistake over and
(11:09):
over again.
Speaker 1 (11:11):
Yeah, exactly, so that's kind of how we formed
this whole association.
Very well said.
So let's describe specificallyand get into specifically what
Support Insure does.
So you sent me some informationand it's an insurance solution
that provides financialprotection for court ordered
support obligations in the eventthe payer becomes either
(11:33):
disabled, deceased orinvoluntarily unemployed,
correct, right?
Okay, you don't cover voluntarynon-payment, right?
So this isn't for deadbeatparents to go get an insurance
policy and then not be paying onit, right?
(11:54):
So I'm sure there's some thingsthat they need to do to make
claims, et cetera.
So, and in a sense, let's see,say, we provide a guaranteed
financial safety net when lifecircumstances make it possible,
not unwilling, for the payer tomeet their obligations.
So I'm curious do you feel likethe?
(12:14):
So you said that it's taken solong to get this?
Underwriters didn't want to doit.
Do you feel like, because thetimes are so different now that
it used to be where you work fora company for 20 or 30 years,
now it is the gig economythere's you don't work for a
company for many years, there'sjob hopping all the time.
Do you feel like that hadsomething to do with their
(12:38):
willingness to underwrite thisat?
Speaker 2 (12:39):
this point With the carrier that I have now to write
it.
Speaker 1 (12:43):
Yeah, just that somebody was willing to look at
it and do something with it.
Speaker 2 (12:46):
I think it was chance , I think, I came across a
company that had enough money inreserves that was writing one
or two products and wantedanother niche product to put
into the carrier.
So this is basically anotherform of what we call credit
insurance.
A lot of credit card companieshave offered that if you die,
become disabled or involuntarilyunemployed, they'll continue
(13:07):
making your credit card paymentsfor up to a year.
And that's what my and we wentto those companies that are
underwriting that product andthey said no.
So it's like all we want to dois use that same product but
apply it towards the divorcecommunity.
And no, they didn't want to doit.
It the guy that ended up doingit was like, yeah, I think this
has a lot of validity to it andI I want to.
(13:28):
I want to give it a shot.
So it's something that almostall of us need.
I know right now, when you get adivorce, the only option is
life insurance, which I stillwant people to have because it
will cover if you die.
It'll cover the kids up to 18or 21.
I don't know if it necessarilywill cover the cover the alimony
, but it will cover if you die.
It'll cover the kids up to 18or 21.
I don't know if it necessarilywill cover the cover the alimony
, but it will definitely coverthe child support.
(13:48):
But the question is well, whatif he becomes disabled?
I say he what if they becomedisabled.
Speaker 1 (13:55):
Sure.
Speaker 2 (13:56):
Involuntarily, involuntarily unemployed,
meaning they the they've had toclose the plant or, if he's an
entrepreneur downsizing, thingsof that nature, not because you
quit, but because you were letgo because of a company downsize
(14:17):
or you had to close thebusiness.
So, if you are a deadbeatparent, the state does a great
job at making sure you pay.
They'll go after your IRS,they'll go after your wages,
everything to make sure thatthat person who's supposed to
receive it is receiving thosepayments.
Speaker 1 (14:33):
Yeah, yeah.
So in this process and it wouldbe in this day and age,
sometimes the woman and for ourpurposes saying he is fine,
right, because it's mostly dadsthat are listening to this
podcast.
But it goes either way and it'sgood for the dads that there's
lots of stay-at-home dads thatlisten to the show as well, to
(14:54):
know that this product isavailable, to be able to let
their attorneys know that thatwould be something that they
might want to have in theirsettlement for their soon-to-be
ex to potentially have.
So what are the costsassociated with this and how
does that get determined?
How does that get determined?
And let's say a dad is thinkingabout this and they want to
(15:15):
include it in their agreement,what would they do?
How would they determine whatthat cost is and go forward from
there?
Speaker 2 (15:25):
Yeah.
So if they go to our website,nasdforg, and they click on the
insurance icon, it saysinformation and then it'll give
you the rate chart.
So I think if you're paying outand we're very we try to tell
people don't buy more than whatyou need.
So if you're only collecting5,000, don't buy 10,000 because
that's good for us, but we'reonly going to pay you five
(15:48):
because we want to.
When you go to make the claim,we have to see what the court
mandated amount is and that'swhat we're covering.
When you go to make the claim,we have to see what the court
mandated amount is and that'swhat we're covering.
So if you're paying $5,000, itmight be like I don't know $500
a year, $450 a year, and thatalso comes with a discounted
annual membership to NASDF aswell.
So it's not a lot.
These are annual policies, it'san automatic renewal unless you
(16:09):
tell us to go ahead and cancelit.
And, by the way, either partycan purchase it.
So if the payor let's say theperson receiving the money is
asking the other attorney tomake sure that the payer is
purchasing it and the payer saysno, then the payee can purchase
it on behalf of the payer.
Speaker 1 (16:29):
Oh, okay, Interesting , and then okay.
So if that's the case in thescenario, then so if you get
into a claim situation, thenwhat is the process for going
about that and determining andshowing the fact that one of
these things has happened?
(16:50):
You become disabled.
Well, deceased is obvious,right, but disabled or or
involuntarily unemployed.
Speaker 2 (16:58):
So they, the, they, they again what they have to
show the reason why they werebeing laid off.
I think there's a couple ofquestions when you're filling
out the application how longhave you been with the current
employer?
And if the payee is buying this, they will need to know that
information as well.
If it's on behalf of the payor,how long they've been with
their employer?
Have they been with anycompanies that have had to close
their plants?
(17:18):
There's a bunch of questionsthat they ask that are pretty
simple questions and that kindof gives us the automatic
underwriting that we need as towhether we can go ahead and
accept the policyholder.
When it comes to disability, Ithink one of the questions is do
you currently have a terminalillness or are you currently
injured or receiving disability?
Because if you're currentlyreceiving it, clearly there's a
(17:41):
waiting period, I think of 60 or90 days, before you can qualify
for the disability payment.
So the questions are like apre-underwriting and if you're
accepted, then we're done.
You get a certificate ofinsurance and you're
automatically insured Got it.
Speaker 1 (17:56):
So the thing that immediately came to my mind when
you're saying, well, eitherparty can purchase the policy,
was well, if you're in a highconflict and contentious, you
just don't get along.
Why would the the person that'spaying give you the information
in order to, to, to convert onthe policy?
(18:21):
If they weren't, they weren'tpaying.
But the answer and I answeredin my own head, but I want to
put that out there, because thefirst thing I was thinking was
like, if my ex it like it'd be,or vice versa it was, it was
always contentious.
Like, and sharing informationwas really not.
Not, it could be sometimes justa not healthy thing, right,
(18:42):
because there are other issuesthat are the reasons, that are
other things that it might beused against, but it is actually
so.
Let's say, in the scenario thatyour ex buys this policy, you
become involuntarily unemployed,like you said, the courts
really don't care, unfortunately, and they want you still owe
(19:06):
that money and they still wantyou to pay that money.
And if you're looking whetheryou're looking for a job or not,
looking for a job, that justdoesn't go into their, their,
whatever their calculations ortheir brains, that's, if you
don't have money coming, it'shard to pay money going out, so
it would, and then oftentimesthat leads to and this is a
(19:27):
whole nother topic in a in awhole nother podcast that
there's.
There's men that end up in jailbecause they're behind.
There's they.
They get interest rate orinterest tacked onto it.
It just becomes this snowballeffect that is absolutely brutal
for for some men.
So that's the reason one to getit yourself, if you do, oh, and
(19:48):
it's inexpensive, really, andand it's also the reason to
cooperate, because then youdon't get put into contempt, you
don't have the states comingafter you nonstop.
You're not paying I'm assumingyou don't have to you're not
going to be paying interestbecause you're actually making
the insurance companies makingthe payments.
So you're making the payments,you're not getting behind.
(20:12):
So, yeah, penalized Good, that'sthe word I was looking for, so
there's a myriad of reasons tospend the small extra amount on
this, just in case.
Speaker 2 (20:26):
And it's more of a cushion.
Again, we're only going to payup to a year.
We're also giving whoever ispurchasing it the payee most
likely a thousand dollars forlegal services, which is not
much, but it enables you tostart the process, could
possibly file with the courts togo ahead and push the other
person to get the job or tostart paying the alimony.
(20:46):
If you see you're coming up tomonth 11th and 12th and the
person still hasn't gotten a job, you're going to want to pursue
it legally to make sure thatwhen the year is up you're still
getting paid.
So we want to have an incentivefor that person to seek a
position or seek another job,instead of just being like, yeah
, let the insurance company payfor it, I'm good Well that's not
the purpose we're giving you acushion is what we're giving you
(21:06):
.
Speaker 1 (21:07):
That's amazing.
And then you mentioned thatthey also get a membership to
NASDF.
So let's talk a little bitabout NASDF and the organization
, what specifically you guysoffer and how people can get
involved in it.
Speaker 2 (21:23):
Absolutely so.
It's the first association ofits kind where we want to be
able to take product services,support and resources and put it
under one umbrella.
If you go to Google and youtype in the word divorce, you're
going to get about five pagesworth of attorneys.
It isn't until you get to six,seven and eight that you're
going to start to or more, thatyou're going to start to get
(21:44):
resources for dads, resourcesfor moms, how to divorce coaches
.
I mean, I'm learning so muchabout this industry.
Now I came across somebody thatis a coach on how to deal with
your pets.
Okay, I came across somebodyelse this I just learned.
We have a coach that, when itcomes to, you're just trying to
(22:07):
decide alimony and child support, how much are you going to need
for that kid to go to college?
And then what does that budgetlook like?
Most parents don't know.
It's like I don't know.
Is it $10,000 a year?
$50,000 a year?
So this woman has a greatcompany.
She helps people who aredivorcing figure out not only
what the cost of college tuitionis going to be so that they can
put that in the settlementagreement, but also helps that
(22:29):
child to get into college.
Helps that child to get intocollege.
It does this whole process ofmaking sure the child is doing
the applications, looking at theapplications and trying to make
them better and then helpingthem source the right colleges.
I was blown away.
I had no idea these serviceswere out there.
So there's so many great peoplelike yourself.
There's great podcasts that areout there.
(22:50):
Here in Florida our childrenhave R have Rights, which is a
nonprofit organization thatdeals with child custody issues.
If you don't have the money tohire an attorney, you can go to
Our Children have Voices and askthem and they'll guide you on
how to file with the courts.
They'll bring in attorneys thatare at a tremendous discount to
(23:12):
help you with the paperwork.
I don't know how this guy makesmoney, but he has a phenomenal
organization that's a.
They'll bring in attorneys thatare at a tremendous discount to
help you with the paperwork.
I don't know how this guy makesmoney, but he has a phenomenal
organization that's a nonprofit.
So this resource would neverhave been known had it not been
(23:36):
for me sourcing these and myco-founder sourcing these people
as well.
Doing is she's going state bystate and vetting attorneys and
mediation companies andfinancial companies and just all
the resources, so that youcould just look.
Some resources show thatthey're national, but they're
not.
They're just state.
Even though they might say I'ma national mediation company,
they're only in three states.
So that's what she's doing issourcing a lot of those
companies, vetting them and thenputting them on our resource
page as we continue to grow.
(23:57):
Well, currently, some of ourproducts things that you need
when you're getting a divorceWell, mental health care is a
big one, especially for the kidsor the parents we give three
free sessions and thendiscounted sessions thereafter.
Once we hit a certain number ofmembers, we increase that to
eight free sessions peroccurrence.
So if you have depression andanxiety, it'll be 16 free
(24:20):
sessions and then discountedsessions thereafter.
Wow, childcare you got to putyour kid in a daycare.
So we are with a company calledLearning Group or Learning Care
Group, and they have Montessori, la Petite Academy and YouGrow
and they put you at the top ofthe list.
If there's a waiting list, theydiscount the application fees.
And again, as we grow biggerand bigger, those discounts get
(24:43):
larger as well.
Real estate you need to buy orsell.
So what I was able to do I'm arealtor.
I was able to put together anational group of realtors that
I can refer our members to.
If you're calling as a memberand you want a referral,
typically we send out a referralfee, which is 25%, so I'm
(25:03):
referring that agent to you.
When it closes, that agent'sgoing to send me 25% of his
commission.
What we do for our members isthat 25% commission actually
goes back to our members to helpthem offset their closing costs
, so that savings alone could bethree to 5,000, possibly more,
depending on the price of yourhouse.
What I like about that is thereare no realtors that can afford
(25:24):
to do that, because we don'tmake our money on the real
estate side.
We're a nonprofit entity, we'rea not-for-profit, soon-to-be
nonprofit entity and we're ableto give that money back.
So that's the incentive to useone of our agents, versus going
to your neighbor down the streetand say, hey, sell my house.
We have Noonlight, which is asafety app.
(25:46):
If you feel you're unsafe, youjust download this app and
you'll have the policedepartment right there to make
sure they're there to help you.
I have to look at my boardsometimes because there's so
many different products that wehave GoGo, mediation, financial
services, now we have coaches.
It just goes on and on.
If you go to our website,nasdforg, and you look under the
(26:07):
benefits, you're going to seethat there's probably 30 to 35
different benefits on there thatwill continue to increase, like
I said, as our membership grows.
I call it the costco effect Idon't know if costco, I didn't
know.
Costco has 178 million members,which is like that half of the
US population.
That's why they're able to offerproducts so cheap and yeah, I
(26:28):
mean they even have caskets asyou're walking, that you can
order and good quality productsthat are reasonably priced right
, exactly, and they can do thatbecause they have so many
members, that because they haveso many members, as we continue
to grow, we're going to go tocompanies like Target and
Safeway and Publix and whereverthe local grocery store is in
your area and say can you offerour members discounts for
(26:49):
diapers and formulas and thingsthat they need for their kids?
I want to go to AutoNation andbe able to say can you give my
members a discount when they goto buy a car from you?
One of the pet projects thatI'm working on right now is a
credit card that can be used forlegal services.
So we've heard of CareCreditcredit card, which is for the
(27:11):
two things they do is cosmeticsurgery and pet care.
Okay, I've gone to them andsaid hey, can you set up a
credit card for legal servicesso that?
If well, for instance, we hadone of our members come to us
recently and said I don't haveany money to pay for the
attorney.
Is there something you can helpus with?
And of course, we gave her alist of attorneys that she can
contact, but the attorneys thatshe went to wanted $5,000 up
(27:33):
front, but her husband controlsthe money, so she wasn't able to
do that.
So then she goes for the freelegal care legal resources
wasn't able to do that.
So then she goes for the freelegal care, the legal resources
and they add up their combinedsalaries and because of the
husband's salary she made toomuch money and didn't qualify
for the free legal.
So what I want to do is puttogether a credit card that she
could apply for and pick whichattorney she wants to go to, and
(27:55):
it has a five or $10,000 limit.
She's able to pay for theattorney, or she's able to pay
for mediation, or she's able touse it for court costs or things
of that nature, and that's it.
That's brilliant.
I'm trying to find if you,anybody out in your audience,
knows how to put these creditcards together.
It's been a challenge.
Recently went to a company, toa bank that thinks way outside
the box that I was very happywith, and they, the response is
(28:18):
we don't do credit cards.
I'm like, right, but do youknow who I could go to?
No, right, so I'll find it.
Speaker 1 (28:24):
Yeah, you think that they have that for everything
Auto repair, dental work,doctors like you said pet care,
all kinds of different things.
That's a brilliant idea forsomebody going through a divorce
, because I hear that all thetime I just I don't have, I just
don't have the money to give aretainer, and they might not
(28:47):
have another, another way to doit or credit cards or any other
resources or savings.
So that's brilliant.
Speaker 2 (28:55):
There is a company that does finance legal services
but you have to go through theattorney to get it, so that that
doesn't really give you thefree, the ability to pick which
one.
You have to go through theattorney to get it, so that
doesn't really give you theability to pick which one you
want to go with, because theattorney has to refer that
person into that company.
I don't want to do that.
I want to give the freedom tomy member to pick any attorney
they want, and I'm very specificthat on the credit card, it has
(29:18):
to be for somebody with a lowscore of 500 or 550 on up, so
that there are people that arehaving financial situations when
they're in the process ofdivorce.
We want to be able to help.
We know that, and that's whyour membership fee is only $19 a
month and you get like $5,000or $6,000 worth of free benefits
just off the top, because wewant to be able to make sure
that you can afford it and thatthere are services out there,
(29:40):
knowing that you might havedifficulty affording the divorce
.
Speaker 1 (29:44):
That's amazing and I'm very proud to let everybody
know in the audience that we'vecome to an agreement to be
trusted allies in this process.
You're going to be one of ourtrusted allies under our
membership page and offeringthem all of these great benefits
, and we're going to be helpingout as well with USDF and any of
(30:04):
the dads that come through yourorganization too as well.
So excited to be able to worktogether on this, moving towards
just getting that support outthere and finding unique.
It takes people like you, ronand it's why I was so excited to
connect with you and appreciatethat you reached out to me
People like you that have acouple of things One, just a
(30:27):
unique perspective and lookingat things from outside of the
box and trying to do thingsdifferently.
Because in this family lawsystem and this whole divorce
system, the unfortunate thing isit's become normalized and it's
been controlled in just onereal aspect from attorneys and
we're not and I'm not badmouthing attorneys and I'm not
(30:50):
anything it's just they've kindof created the whole system,
they adjudicate the system andand so and it benefits them
right.
So people, human nature, you'renot going to look to make
changes on something that'sreally benefiting you and you
don't really need to so to whenyou have somebody like you
that's looking to do somethingdifferently and trying to find
(31:11):
different ways to help you.
Because ultimately you said ittalking about helping kids and
ultimately what we're doing hereby helping dads is helping kids
and helping families to to gethealthy and and to live better
lives.
And then the second thing thatyou bring is just a dogged
determination to keep gettingthis done, because going through
this process and you describeda little bit of what you went
(31:33):
through it's a battle right, andyou got to battle to make
change.
You got to battle to stay inthe fight and just show up every
single day.
So I just really appreciatethat that you're doing that.
Speaker 2 (31:46):
So thank you, and we also want to emphasize that we
want to represent men as much aswe represent women.
In fact, if you go to our page,the first page is a man holding
up a child, because we realizedthat a lot of the resources
that are out there are gearedtowards women and when you look
for the men's side, there's notas much, and we're hoping to be
able to build that up as well.
Speaker 1 (32:08):
Yeah, absolutely so.
Yeah, your organization is forsingle and divorced families,
men and women, and it's open toeverybody, which is terrific,
because the majority ofdivorcing couples do it amicably
right.
So this is a resource that thedads that are listening to can
(32:28):
share with your soon-to-be ex,because it would benefit her to
be involved in your organizationand get some mental health help
and some therapy sessions and areal estate agent maybe that
knows how to get through thereal estate.
I don't know if you're workingwith mortgage people yet, but
mortgage people that know how toactually position people in
(32:51):
order to be successfulpost-divorce, to either doing
assumptions, taking somebody outof the existing property,
buying new, whatever it might be.
There's nuances to all that.
There's nuances to goingthrough all of this right, and
so what you're providing ispeople and you said it vetted
people that are going to be goodat doing that, and for the dads
(33:14):
, that's especially huge.
You've hit it on the nail onthe head by saying for dads
there's not.
That's why we're here, right,we're really geared to
specifically to dads, butthere's not people that are
really focused on dads but alsodivorce either, because it's a
different beast.
Speaker 2 (33:32):
I think that when a dad divorces, he feels alone
because a lot of times thefamily members come from the
woman's side of the side, wherethey don't have that tight-knit
group of friends that women tendto have.
So they're looking forcompatibility, they're looking
for a buddy, they're looking forsupport, and that's what we're
(33:52):
trying to initiate as well.
I know they're out there and ifthey're out there, we're going
to try to bring that resource in.
A lot of times you don't haveto recreate it.
It's already out there and ifthe model is working well, let's
bring it in.
Let's show them where to go.
Speaker 1 (34:04):
That's the divorced advocate community right,
bringing guys together to makesure that they're not going
through it alone because, man,you've been through it, I've
been through it.
Everybody listening is eithergoing through it or been through
it.
It's really brutal and guys wejust kind of self-isolate if we
don't have that already built inprior.
Speaker 2 (34:23):
So yeah, it's absolutely positively huge and
we're bringing in relationshipcoaches because we know that
when we're single we're going togo out and start dating again.
What we want to make sure we dois not repeat the same mistake
over and over again.
So a lot of times when I sitwith somebody who's been single
for a while and I say, well,what are you looking for?
Speaker 1 (34:43):
And they tell me what they're not looking for and I
say, well, that's great, butwhat are you looking for?
Speaker 2 (34:46):
And they're like well , but I just told you.
So now you told me what you'renot looking for.
I want to know what you'relooking for.
And they're like oh well, youknow, okay.
So that's problem number one.
Problem number two is why wereyou attracted to that previous
person and are you attractingthat same person again?
Are you being lovedconditionally or unconditionally
(35:06):
?
And if you don't know what thatmeans, let's go ahead and start
talking about that, because,yeah, if you turn around and get
married again, I'm probablygoing to lose you as a member.
I'm okay with that, but I wantyou to be able to go back into
that marriage in a healthy way.
I'm very blessed in that.
In the five years I was single,I really wanted to work on
myself to make sure that I dealtwith a lot of my childhood
(35:29):
trauma, to make sure that theand, naturally, when I ended my
relationship six months later, Iended up dating the same person
.
That looked different, but itwas the same person.
And as I started dating thisperson, I realized there's
something oddly familiar aboutthis and it's because I was
dating the same person, so when?
I ended that I said no, I got tomake it.
(35:51):
I got to make a change.
Why do I keep attracting thisperson?
What is it?
And through that five-yearperiod, through hiring a life
coach, through journaling mythoughts, through getting
therapy, through all thesethings that I did, I realized
this is what I'm looking for.
And when I hyper-focused onwhat it was that I was looking
(36:13):
for, that's what I found, andI'm very blessed to say that I'm
now loved unconditionally.
I found my soulmate.
I've been with this person for15 years and every day is a
blessing.
It feels like this is somebodyI'm going to be with for the
rest of my life, because I tookthe time out and I did the hard
work to figure out what I neededin my partner and it works, and
that's what we kind of want tobe able to show our members.
Speaker 1 (36:35):
Right, yeah, you were smarter than me.
It took you six months and youknow I was the opposite.
Speaker 2 (36:42):
It took me five years .
No, I did.
Speaker 1 (36:43):
Well, no, no, no, no, no you.
It took you six months tofigure out that you needed to
spend five years doing the work.
I spent five years to figureout that I need to start doing
the work Right.
And so, yeah, so, so hopefullywe can help more.
More people understand.
Yeah, there's a relationaldynamic that went on.
What was that?
What was your responsibility inthat?
(37:05):
What can you do better?
That's we talk about it all thetime on the show here and then
in private, and group coachingtoo is like what can you control
?
And that's the big thing withgoing through divorce,
especially with men and dads.
We want to be in control, wewant to have a linear path, we
want to know where we're.
We want to have a linear path.
We want to know where we'regoing, what we're doing, how
(37:25):
we're doing it.
And during divorce, it'snothing like that, it's chaos.
So it's very, very differentfor men and dads to go through
it.
So it is a great opportunitybecause, whether you want to or
not, you're going to have todeal with that uncertainty and
that chaos.
So it's a great opportunity forthat to happen and to really
(37:47):
look at what you control andyourself going through it.
And yeah, we just try toencourage and help that as much
as possible.
So Ron and NASDF is going to belisted on our Trusted Allies
webpage.
It's coming up here very soon.
In the meantime, how can thelisteners find NASDF get
(38:08):
involved with that and alsosupport and share?
Speaker 2 (38:12):
Absolutely, nasdforg.
You go there, you can hit themembership.
You'll see all the benefitsbefore you even join.
You can click on each one toget all the information you want
off of it.
If you just want the insuranceor you just want information on
the insurance, click on theinsurance tab, hit the
(38:33):
information button.
You'll see the tab showing whatthe cost is based off of your
court mandated amounts.
Based off of yourcourt-mandated amounts,
application is probably about 25questions and then it'll
automatically proceed forward.
If you qualify, it just asksfor your credit card.
You'll get a certificate ofinsurance immediately and you
(38:53):
get the one-year membership atNASDF as well at a much
discounted rate.
So it's a win-win situation.
Awesome, nasdforg.
Also, by the way, if you wantto check out our social, yeah,
correct, okay.
And if you want to check out our, our social social media.
We're nasdforg on instagram.
(39:13):
You can go to youtube.
You can see all the videos,these, these great podcasts
we're doing.
You can go to tiktok as well'mon there and of course.
Instagram as well.
Speaker 1 (39:24):
Awesome.
Ron.
Thank you so much for sharingtoday.
Thank you for all the work thatyou're doing.
It's absolutely amazing andsuch a blessing and it was great
having you on today.
Speaker 2 (39:35):
Thank you, Jude.
I really appreciate what you'redoing and I'm glad to be a
partner with you.
Hello and welcome to the show.
Thanks for tuning in this weekand I am thrilled to have my
guest today talking about a veryinteresting and unique topic
today.
But before we jump into that, Ijust wanted to remind you to
check out thedivorcedadvocatecom.
I want to welcome Craig andGreg that rhymes, craig and Greg
(00:23):
to the Divorced Advocatecommunity this week.
If you're not part of it yet,check it out.
There are tools and there areresources for any dad that is
going through divorce.
Wherever you're at in thedivorce process before, during
and after, wherever you are atfinancially, wherever Just get
involved.
We've got all kinds ofresources, from free to paid.
(00:45):
Check it out atthedivorcedadvocatecom.
And also the Foundation forFathers is up.
It's going.
This is a great, greatorganization that is helping
dads in need.
If you are a dad in need, getcontact with me.
We've got some sponsoredmemberships for you.
But also if you know a businessor you are a business owner
(01:08):
that takes credit cards, getthem in contact with me because
we can save them money and wecan fund the foundation for
fathers ongoing through the bankfees that go come back to us
instead of going to the bank.
So it's a win-win for everybody.
Cost business owners nothing.
It is really awesome andamazing.
(01:28):
So get them in contact with me,or get in contact with me at
jude at thedivorcedadvocatecom.
All right, my guest today, ronPlatt, is a lifelong
entrepreneur who launched hisfirst venture at 18 years old.
After graduating from FloridaState University, he dove into
the insurance industry,gravitating towards product
(01:51):
development, especially in nichemarkets most underwriters
avoided.
It was during this time thatthe idea for the National
Association for Single andDivorced Families, nasdf, and
its insurance arm, supportInsured, first took shape.
Though the concept begandecades ago, it took 30 years to
(02:11):
bring it to life.
For the past 23 years, ron hasbuilt a successful career in
real estate, guiding homebuyersand sellers, helping investors
grow their returns and advisingdevelopers from concept to
design.
But his true passion lies inNASDF and its mission,
advocating for foster care,reform and breaking cycles of
(02:32):
intergenerational poverty.
Together with co-founder JoyReid, he launched NASDF and
recently they introduced SupportInsured, the first and only
divorce insurance product on themarket.
Ron, welcome to the show.
Speaker 2 (02:48):
Thank you, sir, thank you, jude.
I'm pleased to be here.
Speaker 1 (02:52):
Man, I'm so excited to talk to you about this and I
say every week.
I'm so excited because thereare so many exciting things
going on.
It seems like recently there'sa lot of exciting stuff and what
you have created here is reallyabsolutely amazing.
And I want to get into talkingabout support insured, but first
tell us a little bit about kindof what I mean, talk a little
(03:15):
bit about it, but what led youto start NASDF and kind of your
story.
Speaker 2 (03:21):
Yeah, so when I was doing the insurance product I
worked with my dad at the time,who I always joke.
When Lloyd's of London startedin the 1800s, my dad was there
doing the first policies, that'show long he was in the
insurance business.
But we were sitting having lunchand he said you know, I always
wanted to come up with a productthat would guarantee child
support and alimony for death,disability and involuntary
(03:42):
unemployment.
And I looked at him I saidthat's fricking brilliant.
And he goes, yeah.
And I said well, you know, wehave an association, why don't
we switch it over and cater topeople who are getting divorced?
And he said oh, that'sbrilliant.
And he said but don't launchthe association until we get the
insurance done.
So my dad was like a pit bull.
He would not let go and forlike the last 25 years or 30
(04:06):
years he tried placing theinsurance.
Now he was able to get stuffdone.
Nobody else was able to do it.
This was the one product thatevery insurance company we went
to said no.
And it wasn't because it was ahigh claims or it was not
profitable or something likethat.
It was just out of the box andit was in an industry that a
majority of the world doesn'tlook at, which is divorce.
(04:27):
It's very voodoo type thing.
Other than a family lawattorneys.
A lot of people don't understandwhat the needs and wants are,
so I kind of shelved it for awhile, I came across an investor
who had approached me about it.
I rushed it off, updated thebusiness plan and every time I
would look at the business planI realized this is my passion.
I want to be able to providehelp and services and support
(04:50):
and resources for people who aregetting a divorce and get them
to restart their lives and givethem a strong foundation during
this transitionary period.
And so the investor, afterworking with me for three months
, said no, we're not interested.
If it's so good, why hasn'tsomebody else done this?
And we modeled ourselves afterAARP and most of us know who
(05:10):
AARP is.
And I said if AARP has 36million members, why hasn't
somebody competed with them?
And he said yeah, I know, yousaid that once before, but we're
going to go ahead and pass.
So I'm driving home and my dad,who had since passed, sends me a
message that I hear veryclearly and he says you don't
have crap, you need to gomortgage the house and start the
(05:32):
business.
And I thought, okay, I'mdriving home, I got the top down
, I'm thinking about it.
I get home and I sit with myrisk adverse better half and say
you know, this is my passion.
I've been wanting to do thisfor the last 20 years.
It's either you got to step upand make it happen or you just
got to.
You know, throw it away.
And I'm not going to throw itaway.
So we need to borrow some moneyon the house.
(05:53):
He asked what's the best case,worst case scenario?
And I said the best casescenario is we create this
magnificent company that canhelp hundreds of thousands of
people across the country and wegive the money that we make a
majority of it back to makingbetter things happen with it, or
this whole thing screws up andour mortgage payment's $1,000
more than what we're payingright now and we still have
(06:15):
equity in the house.
So he said yes, we went aheadand did that.
I hired a PR company and itwasn't just putting the website
together, it was reconnectingwith a lot of the people I used
to do business with who werereally happy to hear that I was
getting back in the business,and it's the company that takes
the credit cards, the enrollmentcompany.
There's massive amounts ofthings that happened behind the
(06:35):
scenes that needed to cometogether and when they say it's
meant to be it all just veryeasily, I'm saying easy, it took
us almost a year to put ittogether, but everybody was
happy to reconnect and to wantto be part of this association
About six months ago.
So we started the association.
(06:56):
We did a light kickoff.
We were really waiting to getthe insurance in place and about
six months ago an old friend ofmine called up and said did you
ever place the insurance?
I said no, and he goes I havesomebody I want you to talk to.
And he gets the 70-year-oldunderwriter on the phone and I
love these older underwritersbecause they were the original
risk takers.
They didn't overthink it.
They said what's the worst case, best case scenario?
(07:18):
What's the premium you think wecan charge and can we change
the premium if it starts to gohaywire?
And the answer was yes, yes andyes.
He said do you have an actuaryreport?
I said I do.
I sent it to him and about two,three weeks later he called
back and said we're going to doit, we love it.
And I was so emotional about it.
I remember looking up at my dadgoing oh my God, I think I just
did this.
(07:39):
So it was very healing for bothof us.
Then it was a matter of comingup with the software to go ahead
and make sure it's as easy aspossible to purchase and get a
policy, and I originally wentwith the wrong company, ended up
going with the right company.
As of two Fridays ago welaunched it.
It's now on our website.
Support Insured is live andactive.
If you go to our website,nasdforg, you'll see an
(08:03):
insurance button.
Hit that icon and it'll tellyou everything you want to know
on how to enroll and immediatelysign up.
So yeah we're pretty excitedabout it.
Speaker 1 (08:12):
That's amazing.
I love the background andthat's why I always ask there's
always a beautiful background towhy somebody gets involved,
especially in divorce anddivorce being involved with
divorce or divorce people orhelping or whatever, and it's
always, it's always a passion,it seems to be always a passion
project and and because somebodycares or there's some
(08:36):
significant background orsomething that's come up.
Speaker 2 (08:39):
So for me it's about life experiences that I've gone
through, that I can help peoplecome out of.
I'm a foster parent.
I took my kid in at 13 yearsold.
It was not easy.
Clearly he had been abused, hehad been neglected.
And then I get him and I missedher love and I tried to pour
(09:00):
that into him and of course hewas apprehensive at first but
eventually came around and Inoticed a lot of the services
that I was trying to get himthrough the system were failing.
So thank God I was in aposition to afford private care,
but a majority of the peoplecan't.
And in no way am I saying thatthe caseworkers are not doing
their jobs.
I think they do a fantastic job.
I think that the states areunderfunded and these
(09:22):
caseworkers are overwhelmed.
So what ends up happening isthe kids end up suffering.
So I knew back then and we'retalking almost 20 somewhat years
ago that I wanted to have avoice to give to these kids to
make sure that they were gettingthe right kind of treatments
that they were meant to have.
I remember taking my kid toschool one day and he started
pointing out all the friendsthat he knew that were on the
(09:43):
side of the streets that werehomeless and I said, come on,
there's not that many homelesskids out there.
And he goes oh yeah, they are.
And he would start pointingthem out and then I could not
see it.
Everywhere I went I saw thatthere were these homeless kids
who were either foster kids thatleft foster care or were kicked
out of their homes and Ithought I got to help these kids
somehow.
So it evolved from that towatching my friends go through
(10:06):
horrible divorces.
I call mine the undivorced.
I was never married to my exbut I went through 14 years with
him and knowing the differenceof being loved conditionally and
unconditionally were huge.
I went into an unconditional Imean a conditional love
relationship because that's howI was brought up, so naturally I
was going to have arelationship like that.
(10:27):
And the last two years of thatrelationship were so bad that I
still have PTSD over it and wentthrough the same stuff as every
divorce goes through.
We had to hire an attorney.
He went after the properties.
He would not stop aftereverything was done.
I mean it was a horribleexperience that I thought I
would never get out of, but Isurvived.
(10:49):
And I not only survived, Iflourished and I want to be able
to show people how I did it,what tools I used.
Take the experiences that myfriends have gone through and be
able to make it better, moreefficient, and let people know
there is a life after divorceand it's going to get better if
you've learned from it and notrepeat the same mistake over and
(11:09):
over again.
Speaker 1 (11:11):
Yeah, exactly, so that's kind of how we formed
this whole association.
Very well said.
So let's describe specificallyand get into specifically what
Support Insure does.
So you sent me some informationand it's an insurance solution
that provides financialprotection for court ordered
support obligations in the eventthe payer becomes either
(11:33):
disabled, deceased orinvoluntarily unemployed,
correct, right?
Okay, you don't cover voluntarynon-payment, right?
So this isn't for deadbeatparents to go get an insurance
policy and then not be paying onit, right?
(11:54):
So I'm sure there's some thingsthat they need to do to make
claims, et cetera.
So, and in a sense, let's see,say, we provide a guaranteed
financial safety net when lifecircumstances make it possible,
not unwilling, for the payer tomeet their obligations.
So I'm curious do you feel likethe?
(12:14):
So you said that it's taken solong to get this?
Underwriters didn't want to doit.
Do you feel like, because thetimes are so different now that
it used to be where you work fora company for 20 or 30 years,
now it is the gig economythere's you don't work for a
company for many years, there'sjob hopping all the time.
Do you feel like that hadsomething to do with their
(12:38):
willingness to underwrite thisat?
Speaker 2 (12:39):
this point With the carrier that I have now to write
it.
Speaker 1 (12:43):
Yeah, just that somebody was willing to look at
it and do something with it.
Speaker 2 (12:46):
I think it was chance , I think, I came across a
company that had enough money inreserves that was writing one
or two products and wantedanother niche product to put
into the carrier.
So this is basically anotherform of what we call credit
insurance.
A lot of credit card companieshave offered that if you die,
become disabled or involuntarilyunemployed, they'll continue
(13:07):
making your credit card paymentsfor up to a year.
And that's what my and we wentto those companies that are
underwriting that product andthey said no.
So it's like all we want to dois use that same product but
apply it towards the divorcecommunity.
And no, they didn't want to doit.
It the guy that ended up doingit was like, yeah, I think this
has a lot of validity to it andI I want to.
(13:28):
I want to give it a shot.
So it's something that almostall of us need.
I know right now, when you get adivorce, the only option is
life insurance, which I stillwant people to have because it
will cover if you die.
It'll cover the kids up to 18or 21.
I don't know if it necessarilywill cover the cover the alimony
, but it will cover if you die.
It'll cover the kids up to 18or 21.
I don't know if it necessarilywill cover the cover the alimony
, but it will definitely coverthe child support.
(13:48):
But the question is well, whatif he becomes disabled?
I say he what if they becomedisabled.
Speaker 1 (13:55):
Sure.
Speaker 2 (13:56):
Involuntarily, involuntarily unemployed,
meaning they the they've had toclose the plant or, if he's an
entrepreneur downsizing, thingsof that nature, not because you
quit, but because you were letgo because of a company downsize
(14:17):
or you had to close thebusiness.
So, if you are a deadbeatparent, the state does a great
job at making sure you pay.
They'll go after your IRS,they'll go after your wages,
everything to make sure thatthat person who's supposed to
receive it is receiving thosepayments.
Speaker 1 (14:33):
Yeah, yeah.
So in this process and it wouldbe in this day and age,
sometimes the woman and for ourpurposes saying he is fine,
right, because it's mostly dadsthat are listening to this
podcast.
But it goes either way and it'sgood for the dads that there's
lots of stay-at-home dads thatlisten to the show as well, to
(14:54):
know that this product isavailable, to be able to let
their attorneys know that thatwould be something that they
might want to have in theirsettlement for their soon-to-be
ex to potentially have.
So what are the costsassociated with this and how
does that get determined?
How does that get determined?
And let's say a dad is thinkingabout this and they want to
(15:15):
include it in their agreement,what would they do?
How would they determine whatthat cost is and go forward from
there?
Speaker 2 (15:25):
Yeah.
So if they go to our website,nasdforg, and they click on the
insurance icon, it saysinformation and then it'll give
you the rate chart.
So I think if you're paying outand we're very we try to tell
people don't buy more than whatyou need.
So if you're only collecting5,000, don't buy 10,000 because
that's good for us, but we'reonly going to pay you five
(15:48):
because we want to.
When you go to make the claim,we have to see what the court
mandated amount is and that'swhat we're covering.
When you go to make the claim,we have to see what the court
mandated amount is and that'swhat we're covering.
So if you're paying $5,000, itmight be like I don't know $500
a year, $450 a year, and thatalso comes with a discounted
annual membership to NASDF aswell.
So it's not a lot.
These are annual policies, it'san automatic renewal unless you
(16:09):
tell us to go ahead and cancelit.
And, by the way, either partycan purchase it.
So if the payor let's say theperson receiving the money is
asking the other attorney tomake sure that the payer is
purchasing it and the payer saysno, then the payee can purchase
it on behalf of the payer.
Speaker 1 (16:29):
Oh, okay, Interesting , and then okay.
So if that's the case in thescenario, then so if you get
into a claim situation, thenwhat is the process for going
about that and determining andshowing the fact that one of
these things has happened?
(16:50):
You become disabled.
Well, deceased is obvious,right, but disabled or or
involuntarily unemployed.
Speaker 2 (16:58):
So they, the, they, they again what they have to
show the reason why they werebeing laid off.
I think there's a couple ofquestions when you're filling
out the application how longhave you been with the current
employer?
And if the payee is buying this, they will need to know that
information as well.
If it's on behalf of the payor,how long they've been with
their employer?
Have they been with anycompanies that have had to close
their plants?
(17:18):
There's a bunch of questionsthat they ask that are pretty
simple questions and that kindof gives us the automatic
underwriting that we need as towhether we can go ahead and
accept the policyholder.
When it comes to disability, Ithink one of the questions is do
you currently have a terminalillness or are you currently
injured or receiving disability?
Because if you're currentlyreceiving it, clearly there's a
(17:41):
waiting period, I think of 60 or90 days, before you can qualify
for the disability payment.
So the questions are like apre-underwriting and if you're
accepted, then we're done.
You get a certificate ofinsurance and you're
automatically insured Got it.
Speaker 1 (17:56):
So the thing that immediately came to my mind when
you're saying, well, eitherparty can purchase the policy,
was well, if you're in a highconflict and contentious, you
just don't get along.
Why would the the person that'spaying give you the information
in order to, to, to convert onthe policy?
(18:21):
If they weren't, they weren'tpaying.
But the answer and I answeredin my own head, but I want to
put that out there, because thefirst thing I was thinking was
like, if my ex it like it'd be,or vice versa it was, it was
always contentious.
Like, and sharing informationwas really not.
Not, it could be sometimes justa not healthy thing, right,
(18:42):
because there are other issuesthat are the reasons, that are
other things that it might beused against, but it is actually
so.
Let's say, in the scenario thatyour ex buys this policy, you
become involuntarily unemployed,like you said, the courts
really don't care, unfortunately, and they want you still owe
(19:06):
that money and they still wantyou to pay that money.
And if you're looking whetheryou're looking for a job or not,
looking for a job, that justdoesn't go into their, their,
whatever their calculations ortheir brains, that's, if you
don't have money coming, it'shard to pay money going out, so
it would, and then oftentimesthat leads to and this is a
(19:27):
whole nother topic in a in awhole nother podcast that
there's.
There's men that end up in jailbecause they're behind.
There's they.
They get interest rate orinterest tacked onto it.
It just becomes this snowballeffect that is absolutely brutal
for for some men.
So that's the reason one to getit yourself, if you do, oh, and
(19:48):
it's inexpensive, really, andand it's also the reason to
cooperate, because then youdon't get put into contempt, you
don't have the states comingafter you nonstop.
You're not paying I'm assumingyou don't have to you're not
going to be paying interestbecause you're actually making
the insurance companies makingthe payments.
So you're making the payments,you're not getting behind.
(20:12):
So, yeah, penalized Good, that'sthe word I was looking for, so
there's a myriad of reasons tospend the small extra amount on
this, just in case.
Speaker 2 (20:26):
And it's more of a cushion.
Again, we're only going to payup to a year.
We're also giving whoever ispurchasing it the payee most
likely a thousand dollars forlegal services, which is not
much, but it enables you tostart the process, could
possibly file with the courts togo ahead and push the other
person to get the job or tostart paying the alimony.
(20:46):
If you see you're coming up tomonth 11th and 12th and the
person still hasn't gotten a job, you're going to want to pursue
it legally to make sure thatwhen the year is up you're still
getting paid.
So we want to have an incentivefor that person to seek a
position or seek another job,instead of just being like, yeah
, let the insurance company payfor it, I'm good Well that's not
the purpose we're giving you acushion is what we're giving you
(21:06):
.
Speaker 1 (21:07):
That's amazing.
And then you mentioned thatthey also get a membership to
NASDF.
So let's talk a little bitabout NASDF and the organization
, what specifically you guysoffer and how people can get
involved in it.
Speaker 2 (21:23):
Absolutely so.
It's the first association ofits kind where we want to be
able to take product services,support and resources and put it
under one umbrella.
If you go to Google and youtype in the word divorce, you're
going to get about five pagesworth of attorneys.
It isn't until you get to six,seven and eight that you're
going to start to or more, thatyou're going to start to get
(21:44):
resources for dads, resourcesfor moms, how to divorce coaches
.
I mean, I'm learning so muchabout this industry.
Now I came across somebody thatis a coach on how to deal with
your pets.
Okay, I came across somebodyelse this I just learned.
We have a coach that, when itcomes to, you're just trying to
(22:07):
decide alimony and child support, how much are you going to need
for that kid to go to college?
And then what does that budgetlook like?
Most parents don't know.
It's like I don't know.
Is it $10,000 a year?
$50,000 a year?
So this woman has a greatcompany.
She helps people who aredivorcing figure out not only
what the cost of college tuitionis going to be so that they can
put that in the settlementagreement, but also helps that
(22:29):
child to get into college.
Helps that child to get intocollege.
It does this whole process ofmaking sure the child is doing
the applications, looking at theapplications and trying to make
them better and then helpingthem source the right colleges.
I was blown away.
I had no idea these serviceswere out there.
So there's so many great peoplelike yourself.
There's great podcasts that areout there.
(22:50):
Here in Florida our childrenhave R have Rights, which is a
nonprofit organization thatdeals with child custody issues.
If you don't have the money tohire an attorney, you can go to
Our Children have Voices and askthem and they'll guide you on
how to file with the courts.
They'll bring in attorneys thatare at a tremendous discount to
(23:12):
help you with the paperwork.
I don't know how this guy makesmoney, but he has a phenomenal
organization that's a.
They'll bring in attorneys thatare at a tremendous discount to
help you with the paperwork.
I don't know how this guy makesmoney, but he has a phenomenal
organization that's a nonprofit.
So this resource would neverhave been known had it not been
(23:36):
for me sourcing these and myco-founder sourcing these people
as well.
Doing is she's going state bystate and vetting attorneys and
mediation companies andfinancial companies and just all
the resources, so that youcould just look.
Some resources show thatthey're national, but they're
not.
They're just state.
Even though they might say I'ma national mediation company,
they're only in three states.
So that's what she's doing issourcing a lot of those
companies, vetting them and thenputting them on our resource
page as we continue to grow.
(23:57):
Well, currently, some of ourproducts things that you need
when you're getting a divorceWell, mental health care is a
big one, especially for the kidsor the parents we give three
free sessions and thendiscounted sessions thereafter.
Once we hit a certain number ofmembers, we increase that to
eight free sessions peroccurrence.
So if you have depression andanxiety, it'll be 16 free
(24:20):
sessions and then discountedsessions thereafter.
Wow, childcare you got to putyour kid in a daycare.
So we are with a company calledLearning Group or Learning Care
Group, and they have Montessori, la Petite Academy and YouGrow
and they put you at the top ofthe list.
If there's a waiting list, theydiscount the application fees.
And again, as we grow biggerand bigger, those discounts get
(24:43):
larger as well.
Real estate you need to buy orsell.
So what I was able to do I'm arealtor.
I was able to put together anational group of realtors that
I can refer our members to.
If you're calling as a memberand you want a referral,
typically we send out a referralfee, which is 25%, so I'm
(25:03):
referring that agent to you.
When it closes, that agent'sgoing to send me 25% of his
commission.
What we do for our members isthat 25% commission actually
goes back to our members to helpthem offset their closing costs
, so that savings alone could bethree to 5,000, possibly more,
depending on the price of yourhouse.
What I like about that is thereare no realtors that can afford
(25:24):
to do that, because we don'tmake our money on the real
estate side.
We're a nonprofit entity, we'rea not-for-profit, soon-to-be
nonprofit entity and we're ableto give that money back.
So that's the incentive to useone of our agents, versus going
to your neighbor down the streetand say, hey, sell my house.
We have Noonlight, which is asafety app.
(25:46):
If you feel you're unsafe, youjust download this app and
you'll have the policedepartment right there to make
sure they're there to help you.
I have to look at my boardsometimes because there's so
many different products that wehave GoGo, mediation, financial
services, now we have coaches.
It just goes on and on.
If you go to our website,nasdforg, and you look under the
(26:07):
benefits, you're going to seethat there's probably 30 to 35
different benefits on there thatwill continue to increase, like
I said, as our membership grows.
I call it the costco effect Idon't know if costco, I didn't
know.
Costco has 178 million members,which is like that half of the
US population.
That's why they're able to offerproducts so cheap and yeah, I
(26:28):
mean they even have caskets asyou're walking, that you can
order and good quality productsthat are reasonably priced right
, exactly, and they can do thatbecause they have so many
members, that because they haveso many members, as we continue
to grow, we're going to go tocompanies like Target and
Safeway and Publix and whereverthe local grocery store is in
your area and say can you offerour members discounts for
(26:49):
diapers and formulas and thingsthat they need for their kids?
I want to go to AutoNation andbe able to say can you give my
members a discount when they goto buy a car from you?
One of the pet projects thatI'm working on right now is a
credit card that can be used forlegal services.
So we've heard of CareCreditcredit card, which is for the
(27:11):
two things they do is cosmeticsurgery and pet care.
Okay, I've gone to them andsaid hey, can you set up a
credit card for legal servicesso that?
If well, for instance, we hadone of our members come to us
recently and said I don't haveany money to pay for the
attorney.
Is there something you can helpus with?
And of course, we gave her alist of attorneys that she can
contact, but the attorneys thatshe went to wanted $5,000 up
(27:33):
front, but her husband controlsthe money, so she wasn't able to
do that.
So then she goes for the freelegal care legal resources
wasn't able to do that.
So then she goes for the freelegal care, the legal resources
and they add up their combinedsalaries and because of the
husband's salary she made toomuch money and didn't qualify
for the free legal.
So what I want to do is puttogether a credit card that she
could apply for and pick whichattorney she wants to go to, and
(27:55):
it has a five or $10,000 limit.
She's able to pay for theattorney, or she's able to pay
for mediation, or she's able touse it for court costs or things
of that nature, and that's it.
That's brilliant.
I'm trying to find if you,anybody out in your audience,
knows how to put these creditcards together.
It's been a challenge.
Recently went to a company, toa bank that thinks way outside
the box that I was very happywith, and they, the response is
(28:18):
we don't do credit cards.
I'm like, right, but do youknow who I could go to?
No, right, so I'll find it.
Speaker 1 (28:24):
Yeah, you think that they have that for everything
Auto repair, dental work,doctors like you said pet care,
all kinds of different things.
That's a brilliant idea forsomebody going through a divorce
, because I hear that all thetime I just I don't have, I just
don't have the money to give aretainer, and they might not
(28:47):
have another, another way to doit or credit cards or any other
resources or savings.
So that's brilliant.
Speaker 2 (28:55):
There is a company that does finance legal services
but you have to go through theattorney to get it, so that that
doesn't really give you thefree, the ability to pick which
one.
You have to go through theattorney to get it, so that
doesn't really give you theability to pick which one you
want to go with, because theattorney has to refer that
person into that company.
I don't want to do that.
I want to give the freedom tomy member to pick any attorney
they want, and I'm very specificthat on the credit card, it has
(29:18):
to be for somebody with a lowscore of 500 or 550 on up, so
that there are people that arehaving financial situations when
they're in the process ofdivorce.
We want to be able to help.
We know that, and that's whyour membership fee is only $19 a
month and you get like $5,000or $6,000 worth of free benefits
just off the top, because wewant to be able to make sure
that you can afford it and thatthere are services out there,
(29:40):
knowing that you might havedifficulty affording the divorce
.
Speaker 1 (29:44):
That's amazing and I'm very proud to let everybody
know in the audience that we'vecome to an agreement to be
trusted allies in this process.
You're going to be one of ourtrusted allies under our
membership page and offeringthem all of these great benefits
, and we're going to be helpingout as well with USDF and any of
(30:04):
the dads that come through yourorganization too as well.
So excited to be able to worktogether on this, moving towards
just getting that support outthere and finding unique.
It takes people like you, ronand it's why I was so excited to
connect with you and appreciatethat you reached out to me
People like you that have acouple of things One, just a
(30:27):
unique perspective and lookingat things from outside of the
box and trying to do thingsdifferently.
Because in this family lawsystem and this whole divorce
system, the unfortunate thing isit's become normalized and it's
been controlled in just onereal aspect from attorneys and
we're not and I'm not badmouthing attorneys and I'm not
(30:50):
anything it's just they've kindof created the whole system,
they adjudicate the system andand so and it benefits them
right.
So people, human nature, you'renot going to look to make
changes on something that'sreally benefiting you and you
don't really need to so to whenyou have somebody like you
that's looking to do somethingdifferently and trying to find
(31:11):
different ways to help you.
Because ultimately you said ittalking about helping kids and
ultimately what we're doing hereby helping dads is helping kids
and helping families to to gethealthy and and to live better
lives.
And then the second thing thatyou bring is just a dogged
determination to keep gettingthis done, because going through
this process and you describeda little bit of what you went
(31:33):
through it's a battle right, andyou got to battle to make
change.
You got to battle to stay inthe fight and just show up every
single day.
So I just really appreciatethat that you're doing that.
Speaker 2 (31:46):
So thank you, and we also want to emphasize that we
want to represent men as much aswe represent women.
In fact, if you go to our page,the first page is a man holding
up a child, because we realizedthat a lot of the resources
that are out there are gearedtowards women and when you look
for the men's side, there's notas much, and we're hoping to be
able to build that up as well.
Speaker 1 (32:08):
Yeah, absolutely so.
Yeah, your organization is forsingle and divorced families,
men and women, and it's open toeverybody, which is terrific,
because the majority ofdivorcing couples do it amicably
right.
So this is a resource that thedads that are listening to can
(32:28):
share with your soon-to-be ex,because it would benefit her to
be involved in your organizationand get some mental health help
and some therapy sessions and areal estate agent maybe that
knows how to get through thereal estate.
I don't know if you're workingwith mortgage people yet, but
mortgage people that know how toactually position people in
(32:51):
order to be successfulpost-divorce, to either doing
assumptions, taking somebody outof the existing property,
buying new, whatever it might be.
There's nuances to all that.
There's nuances to goingthrough all of this right, and
so what you're providing ispeople and you said it vetted
people that are going to be goodat doing that, and for the dads
(33:14):
, that's especially huge.
You've hit it on the nail onthe head by saying for dads
there's not.
That's why we're here, right,we're really geared to
specifically to dads, butthere's not people that are
really focused on dads but alsodivorce either, because it's a
different beast.
Speaker 2 (33:32):
I think that when a dad divorces, he feels alone
because a lot of times thefamily members come from the
woman's side of the side, wherethey don't have that tight-knit
group of friends that women tendto have.
So they're looking forcompatibility, they're looking
for a buddy, they're looking forsupport, and that's what we're
(33:52):
trying to initiate as well.
I know they're out there and ifthey're out there, we're going
to try to bring that resource in.
A lot of times you don't haveto recreate it.
It's already out there and ifthe model is working well, let's
bring it in.
Let's show them where to go.
Speaker 1 (34:04):
That's the divorced advocate community right,
bringing guys together to makesure that they're not going
through it alone because, man,you've been through it, I've
been through it.
Everybody listening is eithergoing through it or been through
it.
It's really brutal and guys wejust kind of self-isolate if we
don't have that already built inprior.
Speaker 2 (34:23):
So yeah, it's absolutely positively huge and
we're bringing in relationshipcoaches because we know that
when we're single we're going togo out and start dating again.
What we want to make sure we dois not repeat the same mistake
over and over again.
So a lot of times when I sitwith somebody who's been single
for a while and I say, well,what are you looking for?
Speaker 1 (34:43):
And they tell me what they're not looking for and I
say, well, that's great, butwhat are you looking for?
Speaker 2 (34:46):
And they're like well , but I just told you.
So now you told me what you'renot looking for.
I want to know what you'relooking for.
And they're like oh well, youknow, okay.
So that's problem number one.
Problem number two is why wereyou attracted to that previous
person and are you attractingthat same person again?
Are you being lovedconditionally or unconditionally
(35:06):
?
And if you don't know what thatmeans, let's go ahead and start
talking about that, because,yeah, if you turn around and get
married again, I'm probablygoing to lose you as a member.
I'm okay with that, but I wantyou to be able to go back into
that marriage in a healthy way.
I'm very blessed in that.
In the five years I was single,I really wanted to work on
myself to make sure that I dealtwith a lot of my childhood
(35:29):
trauma, to make sure that theand, naturally, when I ended my
relationship six months later, Iended up dating the same person
.
That looked different, but itwas the same person.
And as I started dating thisperson, I realized there's
something oddly familiar aboutthis and it's because I was
dating the same person, so when?
I ended that I said no, I got tomake it.
(35:51):
I got to make a change.
Why do I keep attracting thisperson?
What is it?
And through that five-yearperiod, through hiring a life
coach, through journaling mythoughts, through getting
therapy, through all thesethings that I did, I realized
this is what I'm looking for.
And when I hyper-focused onwhat it was that I was looking
(36:13):
for, that's what I found, andI'm very blessed to say that I'm
now loved unconditionally.
I found my soulmate.
I've been with this person for15 years and every day is a
blessing.
It feels like this is somebodyI'm going to be with for the
rest of my life, because I tookthe time out and I did the hard
work to figure out what I neededin my partner and it works, and
that's what we kind of want tobe able to show our members.
Speaker 1 (36:35):
Right, yeah, you were smarter than me.
It took you six months and youknow I was the opposite.
Speaker 2 (36:42):
It took me five years .
No, I did.
Speaker 1 (36:43):
Well, no, no, no, no, no you.
It took you six months tofigure out that you needed to
spend five years doing the work.
I spent five years to figureout that I need to start doing
the work Right.
And so, yeah, so, so hopefullywe can help more.
More people understand.
Yeah, there's a relationaldynamic that went on.
What was that?
What was your responsibility inthat?
(37:05):
What can you do better?
That's we talk about it all thetime on the show here and then
in private, and group coachingtoo is like what can you control
?
And that's the big thing withgoing through divorce,
especially with men and dads.
We want to be in control, wewant to have a linear path, we
want to know where we're.
We want to have a linear path.
We want to know where we'regoing, what we're doing, how
(37:25):
we're doing it.
And during divorce, it'snothing like that, it's chaos.
So it's very, very differentfor men and dads to go through
it.
So it is a great opportunitybecause, whether you want to or
not, you're going to have todeal with that uncertainty and
that chaos.
So it's a great opportunity forthat to happen and to really
(37:47):
look at what you control andyourself going through it.
And yeah, we just try toencourage and help that as much
as possible.
So Ron and NASDF is going to belisted on our Trusted Allies
webpage.
It's coming up here very soon.
In the meantime, how can thelisteners find NASDF get
(38:08):
involved with that and alsosupport and share?
Speaker 2 (38:12):
Absolutely, nasdforg.
You go there, you can hit themembership.
You'll see all the benefitsbefore you even join.
You can click on each one toget all the information you want
off of it.
If you just want the insuranceor you just want information on
the insurance, click on theinsurance tab, hit the
(38:33):
information button.
You'll see the tab showing whatthe cost is based off of your
court mandated amounts.
Based off of yourcourt-mandated amounts,
application is probably about 25questions and then it'll
automatically proceed forward.
If you qualify, it just asksfor your credit card.
You'll get a certificate ofinsurance immediately and you
(38:53):
get the one-year membership atNASDF as well at a much
discounted rate.
So it's a win-win situation.
Awesome, nasdforg.
Also, by the way, if you wantto check out our social, yeah,
correct, okay.
And if you want to check out our, our social social media.
We're nasdforg on instagram.
(39:13):
You can go to youtube.
You can see all the videos,these, these great podcasts
we're doing.
You can go to tiktok as well'mon there and of course.
Instagram as well.
Speaker 1 (39:24):
Awesome.
Ron.
Thank you so much for sharingtoday.
Thank you for all the work thatyou're doing.
It's absolutely amazing andsuch a blessing and it was great
having you on today.
Speaker 2 (39:35):
Thank you, Jude.
I really appreciate what you'redoing and I'm glad to be a
partner with you.
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