About Thomas
People over sales. Every time.
Thomas Kratz Sr. is a licensed New York life insurance agent driven by a personal mission: to make sure no family has to scramble when they should only be grieving.
Why I do this work
I didn't choose this career from a brochure. I chose it because of what my family went through.
After a brutal divorce and fighting for full custody of my 15-year-old twins, my father passed away. He was a retired Local 138 Operating Engineer — a Teamster who had worked hard his whole life. But when Local 138 went bankrupt, he lost his retirement benefits. When he died, my sister and I had to fund his wake and cremation out of pocket.
That experience broke something in me — and then rebuilt it. I learned that more than 60% of Americans have no plan for their death. No policy. No protection. Just a family left to figure it out in the worst moment of their lives.
I made it my mission to change that — one family at a time. I'm grateful every day for my fiancée, whose love and support made it possible to raise our children in a blended family and build a practice grounded in something real. Family and faith give me the strength to show up for every client with everything I have.
I work with a 175-year mutual carrier — one of the oldest and most financially stable in the country. Every policy I place includes living benefits as a standard feature. And I'm one of the only agents in New York working with a carrier that covers foreign nationals. But none of that matters as much as this: I will always put people over sales.
Credentials & licensing
Licensed in New York State
Life & Health Insurance Producer
175-Year Mutual Carrier
One of the most financially stable carriers in the country
Living Benefits Standard
Critical, chronic, and terminal illness riders on every policy
Foreign Nationals Coverage
One of the only mutual carriers offering coverage to foreign nationals
My commitment to you
I know what it feels like to be unprepared. I know what it costs — not just in dollars, but in dignity. My job is to make sure your family never has to experience that. Every client I work with gets a tailored plan built around their actual life. No pressure. No scripts. Just an honest conversation about what real protection looks like for you.
People Over Sales
I'm not here to hit a quota. I'm here because I've lived what happens when a family isn't protected — and I refuse to let that happen to yours.
Faith & Family
My faith and my family are the foundation of everything I do. They remind me daily why this work matters and who I'm accountable to.
Permanence
I only recommend coverage built to last — not group policies that disappear when your job does, and not term that expires when you need it most.
Ready to build your plan?
A free consultation takes 20–30 minutes. You'll leave with clarity — and a real number your family can count on.