<?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="NtrlPrlsMltplEvnts.02.00.data.xsd#DM554" xlink:label="loc_DM554"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM554" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Natural Perils Multiple Events Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM554" xlink:to="lbl_DM554"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM554" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported information by the impact from the occurrence of multiple natural peril events of a certain size.</link:label>
        <link:loc xlink:type="locator" xlink:href="NtrlPrlsMltplEvnts.02.00.data.xsd#DV6185" xlink:label="loc_DV6185"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6185" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Fourth Event</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6185" xlink:to="lbl_DV6185"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6185" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to the impact from the occurrence of the fourth natural perils event of a certain size, determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="NtrlPrlsMltplEvnts.02.00.data.xsd#DV6186" xlink:label="loc_DV6186"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6186" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">First Event</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6186" xlink:to="lbl_DV6186"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6186" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to the impact from the occurrence of the first natural perils event of a certain size, determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="NtrlPrlsMltplEvnts.02.00.data.xsd#DV6187" xlink:label="loc_DV6187"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6187" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Second Event</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6187" xlink:to="lbl_DV6187"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6187" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to the impact from the occurrence of the second natural perils event of a certain size, determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="NtrlPrlsMltplEvnts.02.00.data.xsd#DV6188" xlink:label="loc_DV6188"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6188" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Third Event</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6188" xlink:to="lbl_DV6188"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6188" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to the impact from the occurrence of the third natural perils event of a certain size, determined in accordance with relevant prudential standards.</link:label>
    </link:labelLink>
</link:linkbase>
