eCapabilities by Prudential

Success Stories

Here are a few real-life examples of how eCapabilities have helped speed up business.

Face Amount: $1,000,000

Result: Submission to placement in 3 business days

Easily submit clients’ life insurance applications electronically.

LEARN MORE

No more paper applications.

LEARN MORE

No more phone calls.

Clients can answer health questions online when and where they want.

LEARN MORE

No more medical exams.

Our accelerated underwriting path, PruFast Track, may approve eligible clients within days.

LEARN MORE

No more delays.

Policies are automatically delivered for placement after eSignatures are collected.

eDelivery

LEARN MORE

No more surprises.

Life insurance is issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Issuance of the policy may depend upon the answers to the health questions set forth in the application. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. © 2025 Prudential Financial, Inc. and its related entities. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE. 1051013-00004-00 Ed. 07/2025

Accessibility

The client and you decide which product and coverage amount to apply for.

The client receives the submission forms needed to process the application and signs them electronically.

Prudential sends the client a link to a health questionnaire. Clients may be approved via PruFast Track or be asked to provide more information.

Once approved, clients receive an email inviting them to sign their policy.

Once Prudential receives the signed documents and the initial premium from the client, the policy is activated, and the client is covered.

STEP

Face Amount: $1,000,000

Result: Submission to placement in 2 business days

Result: Submission to placement in 5 business days

Talk to your Prudential Case Manager to find out how eCapabilities can help you grow your business

This assumes that you and clients take advantage of the full suite of Prudential’s eCapabilities, and clients are approved for accelerated underwriting.

These steps describe what will happen from the moment a client’s life insurance application is submitted to the moment that coverage goes into effect.

When Clients Ask: “What Happens Next?”

Return to top

Prudential’s eCapabilities work together to simplify and speed up the entire life insurance process. That means you get more time to grow your business, and clients get the modern service experience they expect.

A seamless, digital experience from start to finish.

Click to read More success stories

Here are a few real-life examples of how eCapabilities have helped speed up business.

Success Stories

Product: Term Essential 20

Client: 39-year-old female

Product: VUL Protector

Client: 41-year-old male

Face Amount: $780,488

Product: PruLife Custom Premier II

Client: 52-year-old male

Our patented LifeInsight® platform enables you to monitor clients’ policy performance.

FAQs

eSubmission

eInterview

eReview with PruFast Track

eDelivery

eService with LifeInsight

Our patented LifeInsight platform enables you to monitor clients’ policy performance.

Disclaimer:

Get started now

back to home

The eCapabilities Process

SEE HOW EASY LIFE CAN BE

eSubmission

Our seamless, digital experience starts with eSubmission. Complete the application online, then use one of these submission methods:

• Xpress Worksheet (use for Term, Universal, and Variable products) • Drop Ticket (use for Term products) • Fast App (use for Term products)

Accuracy. eSubmission ensures complete, legible, and error-free applications, which means potentially higher in-good-order rates and faster decisions.

Automation. Once submitted, the application automatically moves through each stage of the process, requiring as few applicant touchpoints as possible.

Efficiency. Less paperwork for you and clients. You spend less time on administrative tasks and more time growing your business.

Benefits

PruFast Track is Prudential’s enhanced process for eligible applicants. It has advantages for you and for clients, who can get underwritten faster than with traditional underwriting.

eReview with PruFast Track

PruFast Track Underwriting Lanes

Getting Started with PruFast Track

Frequently Asked Questions About PruFast Track

More Information

With eInterview, clients can provide their personal history details using a private, secure, online questionnaire. Once the application is submitted, the client receives a link to the online interview questionnaire via email.

Convenience. Clients can access the eInterview on any device and complete the secure online questionnaire on their own time, 24/7. Plus, they can save their progress and finish the eInterview over several sessions.

Speed. Most clients need just about 20 minutes to complete the interview.

Simplicity. eInterview is intuitive and offers an enhanced client experience. It’s easy to navigate, with plenty of onscreen instructions and assistance guiding clients along the way.

eInterview

Benefits

eInterview Highlighter

Prepare for Your Interview

eInterview Consumer Frequently Asked Questions

More Information

Prudential’s eDelivery lets you spend more time selling and less time worrying about policy placement. Here’s how it works:

1. The client agrees to eDelivery during the application process. 2. With eDelivery selected, an electronic policy is issued the same day it is approved. 3. The financial professional receives an email notification that an electronic policy is ready for review and eSignature. 4. The policy is sent to the client to review and submit eSignature. 5. The completed policy is delivered to Prudential for placement.

eDelivery

Benefits

Prudential’s eDelivery: Efficient Policy Placement

Prudential’s eDelivery (consumer approved flyer)

PruSign Process for Electronic Policy Delivery

More Information

Policy transactions: Digital reallocations are available to quickly and easily manage your clients subaccounts

Save time. Quickly access policy details, as well as transactions, so that you can accomplish the task you need to, in little time!

eService with LifeInsight

Benefits

Discover More About LifeInsight Today!

More Information

The PruFast Track process determines the underwriting path. Case Status will keep you updated and informed throughout the process. Accelerated cases will be approved within hours or days. The specific path will determine the amount of time needed for approval.

• Accelerated • Accelerated with medical records needed

Faster Cycle Times: The issued-to-placement cycle time may be as little as 24 hours.

Improved Quality: The system promotes in-good-order completion, preventing re-work or delays at policy delivery.

Be proactive. Stay aware of upcoming actions that you may need to take to keep clients’ policy performance in line with their goals.

Boost confidence. Feel more confident working with complex policies.

Strengthen client relationships. Increase clients’ trust in you as you continue to track their policies and advise them on actions they should take.

PruFast Track Eligibility Criteria: Age: 18 to 60 Face Amounts: $100,000 to $5,000,000 Quoted Underwriting Category: Smoker or better Products: Most of Prudential’s Term and Permanent products (excludes PruTerm One and Survivorship products) U.S. Residents Only

Return to top

eService

eDelivery

eReview

eInterview

eSubmission

Talk to your Prudential Case Manager to find out how eCapabilities can help you grow your business

Return to top

Accelerated cases will fall into one of two paths:

Faster approvals. Approvals may come in days instead of weeks. No new exams. New medical exams and new lab work are not required. More efficient. A paperless process means less chance of errors and delays. Available. Most of Prudential’s life insurance products (excluding Survivorship) and riders are eligible.

Benefits

Return to top

Disclaimer:

Accessibility