Exhibit 99.25(D)

                               POWER OF ATTORNEY
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     Know all men by these presents:


     That I,   James M. Schlomann  , of Holmdel , New Jersey , the Vice
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President, Comptroller and Chief Accounting Officer of Pruco Life Insurance
Company, do hereby make, constitute and appoint as my true and lawful attorneys
in fact CLIFFORD E. KIRSCH, THOMAS C. CASTANO, RICHARD E. MEADE, THOMAS J.
LOFTUS, ARTHUR WOODS and C. CHRISTOPHER SPRAGUE, or any of them severally for me
in my name, place and stead to sign, where applicable:  Annual Reports on Form
10-K, registration statements on the appropriate forms prescribed by the
Securities and Exchange Commission, and any other periodic documents and reports
required under the Investment Company Act of 1940, the Securities Act of 1933,
and the Securities Exchange Act of 1934, and all amendments thereto executed on
behalf of Pruco Life Insurance Company and filed with the Securities and
Exchange Commission for the following:

     The Pruco Life PRUvider Variable Appreciable Account and variable life
     insurance contracts, to the extent they represent participating interests
     in said Account;

     The Pruco Life Variable Appreciable Account and flexible premium variable
     life insurance contracts, to the extent they represent participating
     interests in said Account;

     The Pruco Life Variable Insurance Account and scheduled premium variable
     life insurance contracts, to the extent they represent participating
     interests in said Account;

     The Pruco Life Single Premium Variable Life Account and flexible premium
     variable life insurance contracts, to the extent they represent
     participating interests in said Account;

     The Pruco Life Variable Universal Account and flexible premium variable
     universal life insurance contracts, to the extent they represent
     participating interests in said Account;

     The Pruco Life Single Premium Variable Annuity Account and single payment
     variable annuity contracts, to the extent they represent participating
     interests in said Account;

     The Pruco Life Flexible Premium Variable Annuity Account and flexible
     premium variable annuity contracts, to the extent they represent
     participating interests in said Account;

     Market value adjustment annuity contracts; and

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     The Pruco Life Variable Contract Real Property Account and individual
     variable life insurance contracts and variable annuity contracts, to the
     extent they represent participating interests in said Account.


     IN WITNESS WHEREOF, I have hereunto set my hand this 24th day of February,
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     1998.
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                                                   /s/ James M. Schlomann
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                                                       Signature



State of   New Jersey        )
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                             ) SS
County of   Essex            )
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     On this 24th day of February, 1998, before me personally appeared James M.
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Schlomann known to me to be the person mentioned and described in and who
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executed the foregoing instrument and he duly acknowledged to me that he
executed the same.


My commission expires:
  August 3, 1998
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                                                   /s/ Alfreda D. Johnson
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                                                       Notary Public

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