<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
    <link:roleRef roleURI="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xlink:type="simple" xlink:href="../fdtn/tech.sbr.01.02.xsd#businessDefinition"/>
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <link:loc xlink:type="locator" xlink:href="ClmsExpnsPrd.02.00.data.xsd#DM587" xlink:label="loc_DM587"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM587" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Claims Expense Period Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM587" xlink:to="lbl_DM587"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM587" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension identifies the relevant period under which the reported claims expense value was recognised.</link:label>
        <link:loc xlink:type="locator" xlink:href="ClmsExpnsPrd.02.00.data.xsd#DV6196" xlink:label="loc_DV6196"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6196" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Non Recurring</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6196" xlink:to="lbl_DV6196"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6196" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported represents claim expenses for the period other than current period, calculated as per the relevant reporting framework. For this purpose current period refers to current accident year and it should align with the insurer's current financial year.</link:label>
        <link:loc xlink:type="locator" xlink:href="ClmsExpnsPrd.02.00.data.xsd#DV6197" xlink:label="loc_DV6197"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6197" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Current Accident Year</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6197" xlink:to="lbl_DV6197"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6197" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported represents the current period claim expense calculated as per the relevant reporting framework. For this purpose current period refers to current accident year and it should align with the insurer's current financial year.</link:label>
    </link:labelLink>
</link:linkbase>
