<?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="InsuranceType.02.01.data.xsd#DM603" xlink:label="loc_DM603"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM603" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Type Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM603" xlink:to="lbl_DM603"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM603" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension represents the types of insurance.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DM686" xlink:label="loc_DM686"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM686" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Default Cover Type Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM686" xlink:to="lbl_DM686"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM686" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension represents the types of default cover of bundled insurance where multiple types of insurance cover are provided under one premium.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV6327" xlink:label="loc_DV6327"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6327" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Total And Permanent Disability Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6327" xlink:to="lbl_DV6327"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6327" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents a benefit, in respect of each member, that is payable only if the member is suffering permanent incapacity.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV6328" xlink:label="loc_DV6328"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6328" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6328" xlink:to="lbl_DV6328"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6328" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents any other insurance not categorised in the list.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV6329" xlink:label="loc_DV6329"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6329" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Life Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6329" xlink:to="lbl_DV6329"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6329" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents a benefit, in respect of each member, that is payable only in the event of the death of the member and which is provided by taking out insurance.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV6330" xlink:label="loc_DV6330"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6330" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Protection Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6330" xlink:to="lbl_DV6330"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6330" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the temporary incapacity cover provided to members, where temporary incapacity insurance cover has the meaning given in the Superannuation Industry (Supervision) Regulations.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV7148" xlink:label="loc_DV7148"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7148" 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_DV7148" xlink:to="lbl_DV7148"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7148" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the insurance type not applicable to the information reported.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV7149" xlink:label="loc_DV7149"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7149" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Life And Total And Permanent Disability And Income Protection</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7149" xlink:to="lbl_DV7149"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7149" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents bundled Life, TPD (Total and Permanent Disability) and IP (Income Protection) insurance. Life insurance is a benefit, in respect of each member, that is payable only in the event of the death of the member and which is provided by taking out insurance. Total and permanent disability insurance is a benefit, in respect of each member, that is payable only if the member is suffering permanent incapacity. Income protection insurance is the temporary incapacity cover provided to members, where temporary incapacity insurance cover has the meaning given in the Superannuation Industry (Supervision) Regulations.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV7150" xlink:label="loc_DV7150"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7150" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Total And Permanent Disability And Income Protection</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7150" xlink:to="lbl_DV7150"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7150" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents bundled TPD (Total and Permanent Disability) and IP (Income Protection) insurance. Total and permanent disability insurance is a benefit, in respect of each member, that is payable only if the member is suffering permanent incapacity. Income protection insurance is the temporary incapacity cover provided to members, where temporary incapacity insurance cover has the meaning given in the Superannuation Industry (Supervision) Regulations.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV7151" xlink:label="loc_DV7151"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7151" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Life And Total And Permanent Disability</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7151" xlink:to="lbl_DV7151"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7151" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents bundled life insurance and TPD (total and permanent disability) insurance. Life insurance is a benefit, in respect of each member, that is payable only in the event of the death of the member and which is provided by taking out insurance. Total and permanent disability insurance is a benefit, in respect of each member, that is payable only if the member is suffering permanent incapacity.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsuranceType.02.01.data.xsd#DV7152" xlink:label="loc_DV7152"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7152" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Life And Income Protection</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7152" xlink:to="lbl_DV7152"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7152" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents bundled life and IP (Income Protection) insurance. Life insurance is a benefit, in respect of each member, that is payable only in the event of the death of the member and which is provided by taking out insurance. Income protection insurance is the temporary incapacity cover provided to members, where temporary incapacity insurance cover has the meaning given in the Superannuation Industry (Supervision) Regulations.</link:label>
    </link:labelLink>
</link:linkbase>
