<?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="SecurityType.02.01.data.xsd#DM399" xlink:label="loc_DM399"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM399" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Security Type Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM399" xlink:to="lbl_DM399"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM399" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension is used to segment data based on the categories in the asset exposure tables contained in the prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV3982" xlink:label="loc_DV3982"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3982" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Exposure</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3982" xlink:to="lbl_DV3982"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3982" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is any asset not covered by any of the above categories.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV3983" xlink:label="loc_DV3983"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3983" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Specified</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3983" xlink:to="lbl_DV3983"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3983" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is: i) any other actively traded security; ii) a non-traded security, loan, or reinsurance arrangement with a grade of 1, 2 or 3 per Attachment 1 of the General Standard; or iii) real estate; or iv) other income producing real property asset.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV3984" xlink:label="loc_DV3984"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3984" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Mortgage</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3984" xlink:to="lbl_DV3984"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3984" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is a mortgage which is: i) 100% mortgage insured with an authorised insurer under the Insurance Act 1973; or ii) a first mortgage of an amount not exceeding 70% of the market value of the security; or iii) made up of a first and all of any subsequent mortgages on the same security, the combined value of which does not exceed 70% of the market value of the security.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV3985" xlink:label="loc_DV3985"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3985" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Outstanding Premiums</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3985" xlink:to="lbl_DV3985"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3985" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is outstanding premiums receivable by a reinsurer under a reinsurance policy with a registered life company.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV3986" xlink:label="loc_DV3986"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3986" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Secured Policy Other</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3986" xlink:to="lbl_DV3986"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3986" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is secured by a life insurance policy, other than a reinsurance policy covered by (f) or (g) above, with a registered life company that is not an associated or subsidiary entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV3987" xlink:label="loc_DV3987"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3987" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Secured Policy Other Assoc</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3987" xlink:to="lbl_DV3987"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3987" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is secured by a life insurance policy, other than a reinsurance policy covered by (f) or (g) above, with a registered life company that is an associated or subsidiary entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV3988" xlink:label="loc_DV3988"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3988" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Secured Policy Reinsurer OS Bus</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3988" xlink:to="lbl_DV3988"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3988" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is secured by a life insurance policy with a Reinsurer in respect of overseas business which is: i) a Reinsurer in the same country as that in which the business is written; and ii) is the parent or sister company of a Specialist Reinsurer.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV4818" xlink:label="loc_DV4818"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4818" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Secured Policy Reg Reinsurer</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4818" xlink:to="lbl_DV4818"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4818" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is secured by a life insurance policy with a Specialist Reinsurer registered under the Act.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV4819" xlink:label="loc_DV4819"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4819" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Secured Deposits</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4819" xlink:to="lbl_DV4819"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4819" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is secured by bank deposits.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV4820" xlink:label="loc_DV4820"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4820" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Secured Bills</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4820" xlink:to="lbl_DV4820"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4820" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is secured by bank bills.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV4821" xlink:label="loc_DV4821"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4821" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Guaranteed Currency Prov Govt</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4821" xlink:to="lbl_DV4821"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4821" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is guaranteed by an overseas provincial government (equivalent in status to an Australian State government), being a government in the country in whose currency the liabilities of the statutory fund are denominated.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV4822" xlink:label="loc_DV4822"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4822" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Guaranteed Currency Nat Govt</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4822" xlink:to="lbl_DV4822"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4822" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is guaranteed by a national government being the national government of the country in whose currency the liabilities of the statutory fund are denominated.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV4823" xlink:label="loc_DV4823"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4823" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Guaranteed Aust Govt</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4823" xlink:to="lbl_DV4823"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4823" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Is guaranteed by an Australian state or Federal government.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecurityType.02.01.data.xsd#DV7287" xlink:label="loc_DV7287"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7287" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Security</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7287" xlink:to="lbl_DV7287"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7287" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to other security. This is a balancing item in the list in which it is being used.</link:label>
    </link:labelLink>
</link:linkbase>
