<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/software-developers/developer-tools/sbr-disclaimer-and-conditions-of-use -->
<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="CmpnntsOfOtstndngClms.02.00.data.xsd#DM815" xlink:label="loc_DM815"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM815" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Components Of Outstanding Claims Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM815" xlink:to="lbl_DM815"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM815" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported data according to components of outstanding claims.</link:label>
        <link:loc xlink:type="locator" xlink:href="CmpnntsOfOtstndngClms.02.00.data.xsd#DV7786" xlink:label="loc_DV7786"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7786" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Risk Equalisation Special Account Component</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7786" xlink:to="lbl_DV7786"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7786" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the risk equalisation special account component.</link:label>
        <link:loc xlink:type="locator" xlink:href="CmpnntsOfOtstndngClms.02.00.data.xsd#DV7787" xlink:label="loc_DV7787"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7787" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Administration Component</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7787" xlink:to="lbl_DV7787"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7787" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the administration component.</link:label>
        <link:loc xlink:type="locator" xlink:href="CmpnntsOfOtstndngClms.02.00.data.xsd#DV7788" xlink:label="loc_DV7788"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7788" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Benefit Component</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7788" xlink:to="lbl_DV7788"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7788" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the benefit component.</link:label>
        <link:loc xlink:type="locator" xlink:href="CmpnntsOfOtstndngClms.02.00.data.xsd#DV7789" xlink:label="loc_DV7789"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7789" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">OSC Margin For Risk</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7789" xlink:to="lbl_DV7789"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7789" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the outstanding claims (OSC) margin for risk.</link:label>
    </link:labelLink>
</link:linkbase>
