<?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="RnsrncClssfctn.02.00.data.xsd#DM551" xlink:label="loc_DM551"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM551" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Reinsurance Classification Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM551" xlink:to="lbl_DM551"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM551" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension relates to the types of reinsurance classification.</link:label>
        <link:loc xlink:type="locator" xlink:href="RnsrncClssfctn.02.00.data.xsd#DV6047" xlink:label="loc_DV6047"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6047" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Non Proportional Reinsurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6047" xlink:to="lbl_DV6047"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6047" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This refers to either traditional forms of excess of loss reinsurance arrangements written on a treaty reinsurance arrangement basis or reinsurance written on an individual offer and acceptance basis; where the reinsurer pays losses only above an agreed retention/deductible up to an agreed maximum limit.</link:label>
        <link:loc xlink:type="locator" xlink:href="RnsrncClssfctn.02.00.data.xsd#DV6048" xlink:label="loc_DV6048"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6048" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Proportional Reinsurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6048" xlink:to="lbl_DV6048"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6048" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This refers to either traditional forms of quota share and/or surplus reinsurance placed on a treaty reinsurance basis or reinsurance written on an individual offer and acceptance basis; where the reinsurer and reinsured share, in proportion, the premium and losses of the reinsured.</link:label>
    </link:labelLink>
</link:linkbase>
