<?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="RgltryCptlRqrmntNtr.02.00.data.xsd#DM539" xlink:label="loc_DM539"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM539" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Nature of Regulatory Capital Requirement Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM539" xlink:to="lbl_DM539"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM539" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises information reported in relation to the nature of regulatory capital requirement, as determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryCptlRqrmntNtr.02.00.data.xsd#DV6049" xlink:label="loc_DV6049"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6049" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">No Regulatory Capital Requirement</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6049" xlink:to="lbl_DV6049"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6049" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported does not have a regulatory capital requirement.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryCptlRqrmntNtr.02.00.data.xsd#DV6050" xlink:label="loc_DV6050"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6050" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Prescribed Capital Amount Equivalent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6050" xlink:to="lbl_DV6050"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6050" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The nature of the regulatory capital requirement is Prescribed capital equivalent, which relate to investments in entities carrying on life insurance business in a foreign jurisdiction.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryCptlRqrmntNtr.02.00.data.xsd#DV6051" xlink:label="loc_DV6051"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6051" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Comparable Regulatory Capital Requirement</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6051" xlink:to="lbl_DV6051"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6051" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The nature of the regulatory capital requirement is Comparable regulatory capital requirement, which refers to a requirement that has been agreed with APRA.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryCptlRqrmntNtr.02.00.data.xsd#DV6052" xlink:label="loc_DV6052"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6052" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Prescribed Capital Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6052" xlink:to="lbl_DV6052"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6052" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The nature of the regulatory capital requirement is a Prescribed capital, which relates to investments in a life company as defined under the Life Act.</link:label>
    </link:labelLink>
</link:linkbase>
