<?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="IncmPrtctnCvrLngth.02.00.data.xsd#DM673" xlink:label="loc_DM673"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM673" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Protection Cover Length Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM673" xlink:to="lbl_DM673"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM673" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension represents periods of income protection cover.</link:label>
        <link:loc xlink:type="locator" xlink:href="IncmPrtctnCvrLngth.02.00.data.xsd#DV7121" xlink:label="loc_DV7121"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7121" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Up To 5 Years</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7121" xlink:to="lbl_DV7121"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7121" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is more than two years but no longer than five years.</link:label>
        <link:loc xlink:type="locator" xlink:href="IncmPrtctnCvrLngth.02.00.data.xsd#DV7122" xlink:label="loc_DV7122"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7122" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Up To 2 Years</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7122" xlink:to="lbl_DV7122"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7122" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is more than a year but no longer than two years.</link:label>
        <link:loc xlink:type="locator" xlink:href="IncmPrtctnCvrLngth.02.00.data.xsd#DV7123" xlink:label="loc_DV7123"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7123" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Up To 1 Year</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7123" xlink:to="lbl_DV7123"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7123" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is no longer than one year.</link:label>
        <link:loc xlink:type="locator" xlink:href="IncmPrtctnCvrLngth.02.00.data.xsd#DV7124" xlink:label="loc_DV7124"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7124" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">More Than 5 Years Or Not Limited 65</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7124" xlink:to="lbl_DV7124"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7124" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is more than 5 years or not limited by reaching age 65.</link:label>
        <link:loc xlink:type="locator" xlink:href="IncmPrtctnCvrLngth.02.00.data.xsd#DV7125" xlink:label="loc_DV7125"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7125" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Until Age 65</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7125" xlink:to="lbl_DV7125"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7125" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is until the insured reaches age 65.</link:label>
        <link:loc xlink:type="locator" xlink:href="IncmPrtctnCvrLngth.02.00.data.xsd#DV7126" xlink:label="loc_DV7126"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7126" 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_DV7126" xlink:to="lbl_DV7126"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7126" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents a period that is not applicable.</link:label>
    </link:labelLink>
</link:linkbase>
