PruLife is Prudential’s accelerated underwriting process for eligible shoppers. Basically, it’s a way for some applicants to skip the medical exam, but only if they fall under certain criteria, including height and weight restrictions; no family members who have died before age 60 from cancer, heart disease, or diabetes; no cigarette use (including vaping or e-cigarettes) in the past year; and no DUIs. Some minor health conditions such as benign heart murmurs, mild asthma, or mild anxiety may be accepted.