<?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="CtgryOfExpsr.02.00.data.xsd#DM538" xlink:label="loc_DM538"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM538" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Category Of Exposure Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM538" xlink:to="lbl_DM538"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM538" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension is used to segment data based on the categories of asset exposures contained in the relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DM578" xlink:label="loc_DM578"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM578" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Category Of Exposure Collateral Guarantee Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM578" xlink:to="lbl_DM578"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM578" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension is used to segment data based on the categories of the eligible collateral or guarantee replacing the underlying asset exposure. The categories of exposures are determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6104" xlink:label="loc_DV6104"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6104" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Reinsurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6104" xlink:to="lbl_DV6104"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6104" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as reinsurance.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6106" xlink:label="loc_DV6106"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6106" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Life Insurance Policy By Related Party</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6106" xlink:to="lbl_DV6106"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6106" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as a life insurance policy issued by a registered life company which is a related entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6107" xlink:label="loc_DV6107"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6107" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Bank Bills</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6107" xlink:to="lbl_DV6107"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6107" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as bank bills.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6108" xlink:label="loc_DV6108"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6108" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Policy Reinsurer OS Bus</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6108" xlink:to="lbl_DV6108"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6108" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as an approved reinsurance arrangement in respect of overseas business, with a related entity of a registered life company that has a specialist reinsurer statutory fund.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6109" xlink:label="loc_DV6109"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6109" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Bank Bills Assets Guaranteed OS Govt</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6109" xlink:to="lbl_DV6109"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6109" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as bank bills or an Assets guaranteed by an overseas provincial government (equivalent in status to an Australian State government), in the country in whose currency the liabilities of a fund are denominated.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6110" xlink:label="loc_DV6110"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6110" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Bank Deposit</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6110" xlink:to="lbl_DV6110"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6110" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as Bank Deposits.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6111" xlink:label="loc_DV6111"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6111" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Reinsurance Arrangement</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6111" xlink:to="lbl_DV6111"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6111" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as a reinsurance arrangement with a registered life company that is not a related entity of the life company; or with APRA's written approval, a reinsurance arrangement in respect of overseas business, with a related entity of a registered life company that has a fund which is a specialist reinsurer.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6112" xlink:label="loc_DV6112"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6112" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Security Loan Reinsure G 1 To 3 Real Estate Income Producing Property</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6112" xlink:to="lbl_DV6112"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6112" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as any other actively traded security; or non-traded security, loan, or reinsurance arrangement with counterparty grade of 1, 2 or 3; or real estate; or other income producing real property asset.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6113" xlink:label="loc_DV6113"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6113" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Actively Traded Security</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6113" xlink:to="lbl_DV6113"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6113" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as any other actively traded security.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6114" xlink:label="loc_DV6114"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6114" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Policy Special Reinsure Grade 1 To 3 Agreement Time</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6114" xlink:to="lbl_DV6114"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6114" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as reinsurance with approved retrocessionaires with counterparty grade of 1, 2 or 3 at the time of agreement (Specialist reinsurers only).</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6115" xlink:label="loc_DV6115"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6115" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Exposure</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6115" xlink:to="lbl_DV6115"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6115" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as any asset not covered by the list.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6116" xlink:label="loc_DV6116"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6116" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Non Reinsurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6116" xlink:to="lbl_DV6116"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6116" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as non-reinsurance.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6117" xlink:label="loc_DV6117"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6117" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Guaranteed Currency Provincial Government</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6117" xlink:to="lbl_DV6117"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6117" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as an asset guaranteed by an overseas provincial government (equivalent in status to an Australian State government), being a government in the country in whose currency the liabilities of the statutory fund are denominated.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6118" xlink:label="loc_DV6118"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6118" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Combination Multiple Exposures</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6118" xlink:to="lbl_DV6118"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6118" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to a combination of multiple categories of exposures.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6119" xlink:label="loc_DV6119"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6119" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Guaranteed By Government</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6119" xlink:to="lbl_DV6119"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6119" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as assets guaranteed by Australian State or Federal government or by national government of the country in whose currency the liabilities of the fund are denominated.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6120" xlink:label="loc_DV6120"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6120" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Property</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6120" xlink:to="lbl_DV6120"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6120" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as real estate or other income producing real property asset.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6121" xlink:label="loc_DV6121"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6121" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Outstanding Premiums</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6121" xlink:to="lbl_DV6121"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6121" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as outstanding premiums receivable by a reinsurer under a reinsurance policy with a registered life company.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6122" xlink:label="loc_DV6122"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6122" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Non Traded Sec Loan Reinsurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6122" xlink:to="lbl_DV6122"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6122" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as non-traded security, loan or reinsurance arrangement with a counterparty grade of 1, 2 or 3.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6123" xlink:label="loc_DV6123"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6123" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Policy Special Reinsure Grade 1 To 3</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6123" xlink:to="lbl_DV6123"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6123" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as reinsurance with approved retrocessionaires with current counterparty grade of 1, 2 or 3 (Specialist reinsurers only).</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfExpsr.02.00.data.xsd#DV6125" xlink:label="loc_DV6125"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6125" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Policy Non Related</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6125" xlink:to="lbl_DV6125"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6125" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to exposures categorised as reinsurance arrangement with non-related registered life company.</link:label>
    </link:labelLink>
</link:linkbase>
