<PAGE> PAGE 1
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000 C000000 0000095010
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000 J000000 A
001 A000000 PRUDENTIAL VARIABLE CONTRACT ACCOUNT 11
001 B000000 811-3422
001 C000000 9733671496
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<PAGE> PAGE 2
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014 A000002 PRUDENTIAL RETIREMENT SERVICES, INC.
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014 A000003 PRUDENTIAL SECURITIES INCORPORATED
014 B000003 8-27154
014 A000004 PRUDENTIAL MUTUAL FUND DISTRIBUTORS, INC.
014 B000004 8-38739
014 A000005 PRUCO SECURITIES
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014 A000006 WEXFORD CLEARING SERVICES CORPORATION
014 B000006 8-48636
015 A000001 INVESTORS FIDUCIARY TRUST COMPANY
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022 B000001 13-5108880
022 C000001 197137
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<PAGE> PAGE 3
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022 C000002 148895
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022 C000004 55138
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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SIGNATURE GRACE TORRES
TITLE TREASURER
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000701275
<NAME> THE PRUDENTIAL VARIABLE CONTRACT ACCOUNT-11
<SERIES>
<NUMBER> 001
<NAME> THE PRUDENTIAL VARIABLE CONTRACT ACCOUNT-11
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> JAN-01-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 91,942,827
<INVESTMENTS-AT-VALUE> 91,942,827
<RECEIVABLES> 842,639
<ASSETS-OTHER> (3,269,701)
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 89,515,765
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 0
<TOTAL-LIABILITIES> 0
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<OVERDISTRIBUTION-GAINS> 0
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<NET-ASSETS> 0
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 5,595,451
<OTHER-INCOME> 0
<EXPENSES-NET> 963,852
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<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 168,192,543
<NUMBER-OF-SHARES-REDEEMED> (172,479,090)
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 345,052
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 240,963
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 963,852
<AVERAGE-NET-ASSETS> 0
<PER-SHARE-NAV-BEGIN> 2.4326
<PER-SHARE-NII> 0.1163
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<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 2.5489
<EXPENSE-RATIO> 0.99
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<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
To the Committee and Participants
of The Prudential Variable Contract Account - 11
of The Prudential Insurance Company of America
(2)
Report of Independent Accountants
To the Committee and Participants
of The Prudential Variable Contract Account - 11
of The Prudential Insurance Company of America
In planning and performing our audit of the financial
statements of The Prudential Variable Account - 11 of The
Prudential Insurance Company of America (the "Account") for the
year ended December 31, 1998, we considered its internal
control, including control activities for safeguarding
securities, in order to determine our auditing procedures for
the purpose of expressing our opinion on the financial
statements and to comply with the requirements of Form N-SAR,
not to provide assurance on internal control.
The management of the Account is responsible for establishing
and maintaining internal control. In fulfilling this
responsibility, estimates and judgments by management are
required to assess the expected benefits and related costs of
controls. Generally, controls that are relevant to an audit
pertain to the entity's objective of preparing financial
statements for external purposes that are fairly presented in
conformity with generally accepted accounting principles.
Those controls include the safeguarding of assets against
unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, errors or
fraud may occur and not be detected. Also, projection of any
evaluation of internal control to future periods is subject to
the risk that it may become inadequate because of changes in
conditions or that the effectiveness of the design and
operation may deteriorate.
Our consideration of internal control would not necessarily
disclose all matters in internal control that might be material
weaknesses under standards established by the American
Institute of Certified Public Accountants. A material weakness
is a condition in which the design or operation of one or more
of the internal control components does not reduce to a
relatively low level the risk that misstatements caused by
error or fraud in amounts that would be material in relation to
the financial statements being audited may occur and not be
detected
within a timely period by employees in the normal course of
performing their assigned functions. However, we noted no
matters involving internal control and its operation, including
controls for safeguarding securities, that we consider to be
material weaknesses as defined above as of December 31, 1998.
This report is intended solely for the information and use of
management and the Committee of the Account and the Securities
and Exchange Commission.
PricewaterhouseCoopers LLP
New York, New York
February 25, 1999
T:\flh\vca11nsarGT.doc
This report is signed on behalf of the
Registrant in the City of Newark and State of New
Jersey on the 1st day of March, 1999.
The Prudential Variable Contract Account-11
File No. 811-03422
Witness: /s/ Caren Cunningham______
By: /s/ Grace Torres____
Caren Cunningham Grace
Torres
Secretary Treasurer
