<?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="InsrncRskStrssTyp.02.00.data.xsd#DM544" xlink:label="loc_DM544"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM544" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Risk Stress Type Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM544" xlink:to="lbl_DM544"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM544" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported information based on the impacts arising from the application of certain insurance risk stresses.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncRskStrssTyp.02.00.data.xsd#DV6169" xlink:label="loc_DV6169"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6169" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Risk Stressed</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6169" xlink:to="lbl_DV6169"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6169" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information incorporates the effect of adverse experience or changes to best estimate assumptions with regards to insurance risk stresses, after diversification is recognised.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncRskStrssTyp.02.00.data.xsd#DV6170" xlink:label="loc_DV6170"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6170" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Morbidity Random</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6170" xlink:to="lbl_DV6170"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6170" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information incorporates the effect of adverse experience or changes to best estimate assumptions with regards to random morbidity stress.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncRskStrssTyp.02.00.data.xsd#DV6171" xlink:label="loc_DV6171"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6171" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Mortality Random</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6171" xlink:to="lbl_DV6171"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6171" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information incorporates the effect of adverse experience or changes to best estimate assumptions with regards to random mortality stress.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncRskStrssTyp.02.00.data.xsd#DV6172" xlink:label="loc_DV6172"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6172" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Mortality Future</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6172" xlink:to="lbl_DV6172"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6172" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information incorporates the effect of adverse experience or changes to best estimate assumptions with regards to future mortality stress.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncRskStrssTyp.02.00.data.xsd#DV6173" xlink:label="loc_DV6173"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6173" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Event</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6173" xlink:to="lbl_DV6173"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6173" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information incorporates the effect of adverse experience or changes to best estimate assumptions with regards to single event stress.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncRskStrssTyp.02.00.data.xsd#DV6174" xlink:label="loc_DV6174"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6174" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Morbidity Future</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6174" xlink:to="lbl_DV6174"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6174" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information incorporates the effect of adverse experience or changes to best estimate assumptions with regards to future morbidity stress.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncRskStrssTyp.02.00.data.xsd#DV6175" xlink:label="loc_DV6175"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6175" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Longevity</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6175" xlink:to="lbl_DV6175"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6175" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information incorporates the effect of adverse experience or changes to best estimate assumptions with regards to longevity stress. The longevity stress is a decrease in the best estimate mortality rate for each age for the remaining term of the liabilities.</link:label>
    </link:labelLink>
</link:linkbase>
