<?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="CtgrsOfInsrncBsnss.02.00.data.xsd#DM543" xlink:label="loc_DM543"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM543" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Categories Of Insurance Business Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM543" xlink:to="lbl_DM543"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM543" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension is used to categorise the reported information into the applicable insurance business, as defined by the relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgrsOfInsrncBsnss.02.00.data.xsd#DV6090" xlink:label="loc_DV6090"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6090" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Investment Linked Business</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6090" xlink:to="lbl_DV6090"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6090" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is in relation to insurance business categorised as investment linked business.

Investment linked business is defined in section 14 of the Life Insurance Act 1995.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgrsOfInsrncBsnss.02.00.data.xsd#DV6092" xlink:label="loc_DV6092"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6092" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Risk Business</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6092" xlink:to="lbl_DV6092"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6092" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is in relation to insurance business categorised as risk business.

Risk business refers to policies that only provide for benefits to be paid to policy owners on the death or disability of the life insured, or if the life insured is found to have a specific disease or injury. The policies must not provide participating benefits or discretionary additions to benefits and must not have terms that continue for the entire lifetimes of the lives insured.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgrsOfInsrncBsnss.02.00.data.xsd#DV6093" xlink:label="loc_DV6093"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6093" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Business</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6093" xlink:to="lbl_DV6093"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6093" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is in relation to insurance business categorised as business other than risk and investment linked.</link:label>
    </link:labelLink>
</link:linkbase>
