<Page> SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------------- FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 14, 2002 ---------------- THE PRUDENTIAL INSURANCE COMPANY OF AMERICA IN RESPECT OF THE PRUDENTIAL VARIABLE CONTRACT REAL PROPERTY ACCOUNT ------------------------------------------------------ (Exact name of registrant as specified in its charter) New Jersey 001-16707 22-3703799 (State or other jurisdiction (Commission File (I.R.S. Employer of incorporation) Number) Identification No.) 751 Broad Street Newark, New Jersey 07102 (Address of principal executive offices and zip code) (973) 802-6000 (Registrant's telephone number, including area code) <Page> Item 9. Regulation FD Disclosure. On November 14, 2002, the Company filed with the SEC its Quarterly Report on Form 10-Q for the period ended September 30, 2002, accompanied by the certifications of Arthur F. Ryan and Richard J. Carbone, its Chief Executive Officer and its Chief Financial Officer, respectively, required pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. The Company is furnishing copies of these certifications as Exhibits 99.1 and 99.2 hereto. -2- <Page> SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Date: November 14, 2002 The Prudential Insurance Company of America By: /s/ Anthony S. Piszel --------------------------------------- Name: Anthony S. Piszel Title: Controller (Principal Accounting Officer) -3- <Page> Exhibit Index Exhibit No. Description - -------- ----------------------------------------------------------------------- 99.1 Certification of Chief Executive Officer required pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. 99.2 Certification of Chief Financial Officer required pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. -4-