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Customer Testimonials

We take pride in making life more affordable and manageable for each individual. Let us help protect you – hear directly from those who have experienced the difference our solutions make.

I’m a Human Resources Manager and Tracy has been my business partner for the last 4 years.  She always goes the extra mile, helping my employees choose the most appropriate and cost-effective supplemental insurance plans to protect their families and loved-ones.

JeffBeverage distribution Company Monticello, MN

Deb from Colonial Life was excellent to work with. She came in and explained benefit options to me and each one of my employees. We all appreciated her thorough coverage of each benefit and she made it extremely easy for me and my employees to sign up for the policies that were pertinent to each of us.

Amy -  Printing Company Mpls, MN

In all my years of working with this type of products, I would never work with another agent or company.  Tracy has been awesome, helped us through everything anytime it is needed, she goes above and beyond.  The Colonial products are great, the pricing is affordable and they do what they promise.  I can’t say enough good about both Tracy and Colonial.

Leora – Construction Industry Isanti, MN

I met Tracy about five years ago. My husband and I had an existing policy with a different agent who moved on, leaving us needing a new agent. Tracy came to meet with us and she has been our agent ever since. She is friendly, easy to talk with and has been able to answer all my questions.

Barb Trucking Company Albany, MN

The Heart of What We Do

Protecting you and the ones you love

Women Colleagues
Parents and Daughter
Dentist Appointment
The company I work for partnered with Tracy and Colonial Life to provide coverage for employees.  We were offered a variety of policies but in the end, Tracy had helped me sign up for the accident policy through Colonial Life in November 2019. I never expected to need or use this policy, but the benefit made sense.   In May 2020 I fell in my home and broke my femur.  The injury was traumatic, but while recovering, I reached out to Tracy and she was incredibly helpful and sincere and helped me through the claim process.  The process was simple, and the payment was quickly made to me.  This helped me cover expenses during the 10 weeks I was out of work due to the injury.  Without this benefit, my life would have been much more complicated in trying to cover expenses.  

Susan – Landscape Company Rogers, MN

I began short term disability through Colonial Life Sept 1st 2017. I also added the cancer coverage for myself, my husband, and son who lives at home. On Sept 20th, my beloved husband was diagnosed with Stage 4 cancer. We were quite literally “plunged” into aggressive treatments from brain surgery to radiation to chemotherapy all within about 4 months. There was no time to catch our breath or to manage the medical bills that were beginning to show up. My husband had good medical insurance however it didn’t cover everything.


Had it not been for Colonial Life stepping in to send money for us for the various treatments my husband went through, I would have had to fall back on Medical Assistance, but CL was a God-send! Because of the money we received from them, we did not have to resort to Medical Assistance but were able to keep our heads above water!


Colonial Life was very responsive and quickly got a check out to me for every medical treatment category that paid out. Through it all, my representative – Tracy was there as advocate and as a friend who seemed to understand what we all were going through. She has such compassion which I feel is absolutely necessary in her field. Thank you Colonial Life and Thank you Tracy!

Barb – Insurance Company Princeton, MN

"I am delighted to write this testimonial to express my utmost satisfaction and gratitude for the outstanding service and support we receive from Deb Ferrao and Colonial Life. Working with Deb has been an absolute pleasure and has exceeded my expectations in every way.


​From the very first interaction, it was evident that the team at Colonial Life is dedicated to delivering excellence. Deb ensures that all of my employees understand the products and benefits and she is always available for questions or concerns. She takes the extra time to get to know each employee's coverage needs and situations. This truly adds value for me as an employer.


I wholeheartedly recommend Deb Ferrao and Colonial Life to anyone in need of this type of service. It gives me peace of mind knowing my team has the right coverage should they need it!"

Jerold - Auto Body Shop MPLS, MN

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