<?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="EnttlmntTDscrtnryAddtns.02.00.data.xsd#DM545" xlink:label="loc_DM545"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM545" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Entitlement To Discretionary Additions Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM545" xlink:to="lbl_DM545"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM545" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported information by entitlements to discretionary additions. Discretionary addition means an amount added to a non-participating benefit, at the discretion of a life company, to reflect the investment experience of the assets backing the benefit, but excluding any guaranteed rate of addition also applicable to the benefit. For this definition an amount added to a benefit is defined to mean any change to the previously applying contractual conditions that is beneficial to the policy owner.</link:label>
        <link:loc xlink:type="locator" xlink:href="EnttlmntTDscrtnryAddtns.02.00.data.xsd#DV6155" xlink:label="loc_DV6155"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6155" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">With Entitlement To Discretionary Additions</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6155" xlink:to="lbl_DV6155"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6155" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is with entitlement to discretionary additions.</link:label>
        <link:loc xlink:type="locator" xlink:href="EnttlmntTDscrtnryAddtns.02.00.data.xsd#DV6156" xlink:label="loc_DV6156"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6156" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Without Entitlement To Discretionary Additions</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6156" xlink:to="lbl_DV6156"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6156" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is without entitlement to discretionary additions.</link:label>
    </link:labelLink>
</link:linkbase>
