Cal (18-1) has not lost to an American college side this season, but neither has Life, which will face the Bears in the national title game at Santa Clara's Stevens Stadium on Saturday.
It will be a rematch of last year's final, when Life posted a 60-5 victory.
"I know they're a physical side, a very tough, physical side," Cal captain Nic Mirhashem said.
Cal's focus will be more on itself than its opponent.
(Click here for coach Jack Clark's comments about the Saint Mary's game and whether that will affect the title game.)
"We like to focus more on ourselves, what it is we can take from our performances," Mirhashem said.
Cal is ranked No. 1 by RugbyD1A and Life is No. 2.