<?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="GgrphclRgn.02.00.data.xsd#DM775" xlink:label="loc_DM775"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM775" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Geographical Region Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM775" xlink:to="lbl_DM775"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM775" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported data according to the relevant geographical region.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DM776" xlink:label="loc_DM776"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM776" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Group Reporting Region Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM776" xlink:to="lbl_DM776"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM776" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported data according to the region of those entities that are members of a Level 2 insurance group (as determined in accordance with prudential standards) and are incorporated outside Australia. The region is defined according to the regions which most appropriately reflect the business and/or operational segments of the entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7517" xlink:label="loc_DV7517"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7517" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">South East Asia Excluding Japan</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7517" xlink:to="lbl_DV7517"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7517" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of South East Asia excluding Japan.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7518" xlink:label="loc_DV7518"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7518" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Oceania Region</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7518" xlink:to="lbl_DV7518"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7518" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of Oceania.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7519" xlink:label="loc_DV7519"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7519" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Middle East Or Africa Region</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7519" xlink:to="lbl_DV7519"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7519" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of the Middle East or Africa.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7520" xlink:label="loc_DV7520"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7520" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Americas Region</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7520" xlink:to="lbl_DV7520"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7520" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of the Americas.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7521" xlink:label="loc_DV7521"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7521" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other International</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7521" xlink:to="lbl_DV7521"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7521" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of other international, being regions other than Australia; New Zealand; United States of America; United Kingdom; Japan; South East Asia; or Continental Europe.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7522" xlink:label="loc_DV7522"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7522" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Europe Region</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7522" xlink:to="lbl_DV7522"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7522" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of Europe.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7523" xlink:label="loc_DV7523"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7523" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Europe And UK</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7523" xlink:to="lbl_DV7523"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7523" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of both the United Kingdom and Europe.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7524" xlink:label="loc_DV7524"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7524" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">United States Of America Region</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7524" xlink:to="lbl_DV7524"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7524" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of the United States of America.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7525" xlink:label="loc_DV7525"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7525" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Global</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7525" xlink:to="lbl_DV7525"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7525" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the international region global.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7526" xlink:label="loc_DV7526"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7526" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Asia Region</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7526" xlink:to="lbl_DV7526"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7526" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of Asia.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7527" xlink:label="loc_DV7527"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7527" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">International</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7527" xlink:to="lbl_DV7527"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7527" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the international region that does not include Australia.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7528" xlink:label="loc_DV7528"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7528" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Continental Europe</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7528" xlink:to="lbl_DV7528"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7528" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of Continental Europe, being all countries in Europe excluding the United Kingdom.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7529" xlink:label="loc_DV7529"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7529" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">New Zealand Region</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7529" xlink:to="lbl_DV7529"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7529" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of New Zealand.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7530" xlink:label="loc_DV7530"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7530" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">South East Asia</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7530" xlink:to="lbl_DV7530"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7530" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of South East Asia.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7531" xlink:label="loc_DV7531"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7531" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Not Applicable</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7531" xlink:to="lbl_DV7531"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7531" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a region not being applicable.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7532" xlink:label="loc_DV7532"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7532" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Asia Pacific</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7532" xlink:to="lbl_DV7532"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7532" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of Asia Pacific.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7533" xlink:label="loc_DV7533"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7533" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Americas Excluding USA</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7533" xlink:to="lbl_DV7533"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7533" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the region of the Americas, this excludes the United States of America.</link:label>
        <link:loc xlink:type="locator" xlink:href="GgrphclRgn.02.00.data.xsd#DV7534" xlink:label="loc_DV7534"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7534" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Individual Country</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7534" xlink:to="lbl_DV7534"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7534" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to when an individual country is relevant.</link:label>
    </link:labelLink>
</link:linkbase>
