Exhibit 5

                                                           March 28, 2003

Pruco Life Insurance Company
213 Washington Street
Newark, New Jersey 07102-2992

Gentlemen:

In my capacity as Chief Legal Officer of Pruco Life Insurance Company ("Pruco
Life"), I have reviewed the establishment of Pruco Life Variable Contract Real
Property Account (the "Account") on August 27, 1986 by the Executive Committee
of the Board of Directors of Pruco Life as a separate account for assets
applicable to certain variable life insurance contracts and variable annuity
contracts, pursuant to the provisions of Section 20-651 of the Arizona Insurance
Code. I was responsible for the oversight of the preparation and review of the
Registration Statement on Form S-1, as amended, filed by Pruco Life with the
Securities and Exchange Commission (Registration No. 33-86780) under the
Securities Act of 1933 for the registration of the Account.

I am of the following opinion:

      (1)   Pruco Life was duly organized under the laws of Arizona and is a
            validly existing corporation.

      (2)   The Account has been duly created and is validly existing as a
            separate account pursuant to the aforesaid provisions of Arizona
            law.

      (3)   The portion of the assets held in the Account equal to the reserves
            and other liabilities for variable benefits under the variable life
            insurance contracts and variable annuity contracts is not chargeable
            with liabilities arising out of any other business Pruco Life may
            conduct.

      (4)   The variable life insurance contracts and variable annuity
            contracts, are legal and binding obligations of Pruco Life in
            accordance with their terms.

In arriving at the foregoing opinion, I have made such examination of law and
examined such records and other documents as I judged to be necessary or
appropriate.

I hereby consent to the filing of this opinion as an exhibit to the Registration
Statement.

Very truly yours,


  /s/
- -----------------------------
Clifford E. Kirsch