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<!--
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT21
  Version: 20261209.a
  Release date: April, 2026
-->
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    <label:label id="kvk-lr-in_ClassesOfTechnicalAccountsInsurance_label_nl" xlink:label="kvk-lr-in_ClassesOfTechnicalAccountsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van technische rekeningen</label:label>
    <label:label id="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance_label_nl" xlink:label="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van technische voorzieningen</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance_label_nl" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van verzekering voor niet-technische rekening</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance_label_nl" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van verzekering voor rekening levensverzekering</label:label>
    <label:label id="kvk-lr-in_ClassesOfProvisionsForInsuranceLiabilitiesInsurance_label_nl" xlink:label="kvk-lr-in_ClassesOfProvisionsForInsuranceLiabilitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van verzekeringsverplichtingen</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance_label_nl" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën voor rekening schadeverzekering</label:label>
    <label:label id="kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance_label_nl" xlink:label="kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geactiveerde acquisitiekosten componenten</label:label>
    <label:label id="kvk-lr-in_ConsolidatedBalanceSheetInsurance_label_nl" xlink:label="kvk-lr-in_ConsolidatedBalanceSheetInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde balans</label:label>
    <label:label id="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_label_nl" xlink:label="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde kasstroomoverzicht</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_label_nl" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde resultatenrekening niet-technische rekening</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_label_nl" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde resultatenrekening technische rekening levensverzekering</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_label_nl" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde resultatenrekening technische rekening schadeverzekering</label:label>
    <label:label id="kvk-lr-in_GeographicAreaInsuranceContractsInsurance_label_nl" xlink:label="kvk-lr-in_GeographicAreaInsuranceContractsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geografische gebied verzekeringscontracten</label:label>
    <label:label id="kvk-lr-in_CashFlowStatementInsurance_label_nl" xlink:label="kvk-lr-in_CashFlowStatementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Kasstroomoverzicht</label:label>
    <label:label id="kvk-lr-in_ClassesOfAcquisitionCosts_label_nl" xlink:label="kvk-lr-in_ClassesOfAcquisitionCosts_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Klassen van acquisitiekosten</label:label>
    <label:label id="kvk-lr-in_LifeInsuranceAndReinsuranceInsurance_label_nl" xlink:label="kvk-lr-in_LifeInsuranceAndReinsuranceInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Levensverzekering en herverzekering</label:label>
    <label:label id="kvk-lr-in_LifeInsurance_label_nl" xlink:label="kvk-lr-in_LifeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Levensverzekering</label:label>
    <label:label id="kvk-lr-in_DurationTechnicalProvisionsInsurance_label_nl" xlink:label="kvk-lr-in_DurationTechnicalProvisionsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Looptijd van technische voorzieningen</label:label>
    <label:label id="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance_label_nl" xlink:label="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Resultatenrekening niet-technische rekening</label:label>
    <label:label id="kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance_label_nl" xlink:label="kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Resultatenrekening technische rekening levensverzekering</label:label>
    <label:label id="kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance_label_nl" xlink:label="kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Resultatenrekening technische rekening schadeverzekering</label:label>
    <label:label id="kvk-lr-in_DamageYearSettlementStatisticsInsurance_label_nl" xlink:label="kvk-lr-in_DamageYearSettlementStatisticsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Schadejaar afloopstatistiek</label:label>
    <label:label id="kvk-lr-in_DamageYearInsurance_label_nl" xlink:label="kvk-lr-in_DamageYearInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Schadejaar</label:label>
    <label:label id="kvk-lr-in_IndemnityInsuranceComponentsInsurance_label_nl" xlink:label="kvk-lr-in_IndemnityInsuranceComponentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Schadeverzekering componenten</label:label>
    <label:label id="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance_label_nl" xlink:label="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Schadeverzekering en herverzekering</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Aan niet-technische rekening toegerekende opbrengst uit beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedShareResultsParticipatingInterestsSpecificationInsuranceTotal_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedShareResultsParticipatingInterestsSpecificationInsuranceTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Aandeel in resultaat van ondernemingen waarin wordt deelgenomen: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSubordinatedLiabilitiesInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedSubordinatedLiabilitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Achtergestelde schulden</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossPreviousSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossPreviousSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek bruto: Specificatie, voorgaande periode: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek bruto: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsurancePreviousSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsurancePreviousSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek herverzekering: Specificatie, voorgaande periode: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsuranceSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsuranceSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek herverzekering: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsDisclosureInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsDisclosureInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek toelichting</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeOtherExpensesOtherInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIncomeOtherExpensesOtherInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Andere baten en andere lasten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOperatingExpensesInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedOperatingExpensesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Bedrijfskosten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Belastingen resultaat uit gewone bedrijfsuitoefening</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico van polishouders en spaarkasbeleggingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentExpensesInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentExpensesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingslasten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAfterTaxExtraordinaryItemsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedResultAfterTaxExtraordinaryItemsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Buitengewoon resultaat na belastingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Depots van herverzekeraars</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEquityFinancialPositionBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedEquityFinancialPositionBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Eigen vermogen: Financiële positie: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Eigen vermogen: Solvabiliteit: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEquityInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedEquityInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Eigen vermogen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Geactiveerde acquisitiekosten overzicht, voorgaande periode</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Geactiveerde acquisitiekosten overzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Gebied verzekeringscontracten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Grondslagen voor de bepaling van het resultaat</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Grondslagen voor de waardering van activa en passiva</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsEconomicLifeInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsEconomicLifeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa: Economische levensduur</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsEconomicLifeInsurance_label_nl" xlink:label="kvk-lr-in_NotesIntangibleAssetsEconomicLifeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa: Economische levensduur</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLifeInsuranceDetailedOverviewInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedLifeInsuranceDetailedOverviewInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Levensverzekering gedetailleerd overzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLifeInsuranceOverviewInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedLifeInsuranceOverviewInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Levensverzekering overzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedUnrealisedLossOnInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedUnrealisedLossOnInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Niet-gerealiseerd verlies op beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedUnrealisedProfitOnInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedUnrealisedProfitOnInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Niet-gerealiseerde winst op beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Opbrengsten uit beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa: Andere overige activa: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAssetsOtherInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige technische baten eigen rekening: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige technische baten eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige technische lasten eigen rekening, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige technische lasten eigen rekening: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige technische lasten eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccruedIncomeAccruedIncomeOtherSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeAccruedIncomeOtherSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overlopende activa: Overige overlopende activa: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overlopende activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overlopende activa: geactiveerde acquisitiekosten, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overlopende activa: geactiveerde acquisitiekosten: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overlopende activa</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overlopende passiva</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Participaties in beleggingsentiteiten en beleggingspools</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultTechnicalAccountLifeInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedResultTechnicalAccountLifeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaat technische rekening levensverzekering</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultTechnicalAccountDamageInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedResultTechnicalAccountDamageInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaat technische rekening schadeverzekering</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaat uit beleggingen, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaat uit beleggingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAnalysisIndustrySpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedResultAnalysisIndustrySpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaatanalyse: Branchegroep: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAnalysisSourceOfProfitSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedResultAnalysisSourceOfProfitSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaatanalyse: Winstbron: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAnalysisInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedResultAnalysisInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaatanalyse</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schaden eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schaden en uitkeringen ontvangen bijdragen uit de centrale kassen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schaden en uitkeringen ontvangen bijdragen uit de centrale kassen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schadestatistiek toelichting</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schadestatistiek: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schadestatistiek: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIndemnityInsuranceComponentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIndemnityInsuranceComponentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schadeverzekering componenten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilitiesPayablesOtherSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedLiabilitiesPayablesOtherSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden: Overige schulden: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilitiesBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedLiabilitiesBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilitiesInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedLiabilitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen levensverzekering: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsOtherBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsOtherBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen overige: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen voor te betalen schaden of uitkeringen, disconteringsvoet</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen voor te betalen schaden of uitkeringen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen voor verzekeringen waarbij polishouders het beleggingsrisico dragen en voor spaarkassen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen voor verzekeringen waarbij polishouders het beleggingsrisico dragen en voor spaarkassen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionIndustrySpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionIndustrySpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Branchegroep: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Egalisatievoorziening, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Egalisatievoorziening: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Overige technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Toegerekende opbrengsten uit beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilityAdequacyTestInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedLiabilityAdequacyTestInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Toereikendheidstoets</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Uitkeringen eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Verdiende premies eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsAcquisitionCostsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsAcquisitionCostsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Acquisitiekosten: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsActuarialReportBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsActuarialReportBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Actuarieel verslag: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsInterestRateDiscountMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsInterestRateDiscountMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Rentestandkorting: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedReceivablesBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedReceivablesBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedReceivablesInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedReceivablesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Wijziging egalisatievoorziening</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Wijziging overige technische voorzieningen eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Winstdeling en kortingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Winstdeling en kortingen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Winstdeling, garanties en keuzemogelijkheden in verzekeringscontracten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncludedCostProvisionInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedIncludedCostProvisionInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening: Overige kosten: Inbegrepen kosten</label:label>
    <label:label id="kvk-lr-in_NotesIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Aan niet-technische rekening toegerekende opbrengst uit beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesShareResultsParticipatingInterestsSpecificationInsuranceTotal_label_nl" xlink:label="kvk-lr-in_NotesShareResultsParticipatingInterestsSpecificationInsuranceTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Aandeel in resultaat van ondernemingen waarin wordt deelgenomen: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_label_nl" xlink:label="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Achtergestelde schulden</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsGrossPreviousSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesSettlementStatisticsGrossPreviousSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Afloopstatistiek bruto: Specificatie, voorgaande periode: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Afloopstatistiek bruto: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsReinsurancePreviousSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesSettlementStatisticsReinsurancePreviousSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Afloopstatistiek herverzekering: Specificatie, voorgaande periode: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Afloopstatistiek herverzekering: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsDisclosureInsurance_label_nl" xlink:label="kvk-lr-in_NotesSettlementStatisticsDisclosureInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Afloopstatistiek toelichting</label:label>
    <label:label id="kvk-lr-in_NotesIncomeOtherExpensesOtherInsurance_label_nl" xlink:label="kvk-lr-in_NotesIncomeOtherExpensesOtherInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Andere baten en andere lasten</label:label>
    <label:label id="kvk-lr-in_NotesOperatingExpensesInsurance_label_nl" xlink:label="kvk-lr-in_NotesOperatingExpensesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Bedrijfskosten</label:label>
    <label:label id="kvk-lr-in_NotesIncomeTaxExpenseOrdinaryActivitiesInsurance_label_nl" xlink:label="kvk-lr-in_NotesIncomeTaxExpenseOrdinaryActivitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Belastingen resultaat uit gewone bedrijfsuitoefening</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_nl" xlink:label="kvk-lr-in_NotesInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico van polishouders en spaarkasbeleggingen</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesInvestmentsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesInvestmentsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesInvestmentsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_nl" xlink:label="kvk-lr-in_NotesInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsentiteiten belangen in beleggingspools beschrijving</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentExpensesInsurance_label_nl" xlink:label="kvk-lr-in_NotesInvestmentExpensesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingslasten</label:label>
    <label:label id="kvk-lr-in_NotesDesignatedReserveMovementSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesDesignatedReserveMovementSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Bestemmingsreserve: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesDesignatedReservesSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesDesignatedReservesSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Bestemmingsreserves: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesDesignatedReservesInsurance_label_nl" xlink:label="kvk-lr-in_NotesDesignatedReservesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Bestemmingsreserves</label:label>
    <label:label id="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance_label_nl" xlink:label="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Betaalde en verschuldigde provisies</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance_label_nl" xlink:label="kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Betaalde en verschuldigde provisies</label:label>
    <label:label id="kvk-lr-in_NotesResultAfterTaxExtraordinaryItemsInsurance_label_nl" xlink:label="kvk-lr-in_NotesResultAfterTaxExtraordinaryItemsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Buitengewoon resultaat na belastingen</label:label>
    <label:label id="kvk-lr-in_NotesDepositsOfReinsurersInsurance_label_nl" xlink:label="kvk-lr-in_NotesDepositsOfReinsurersInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Depots van herverzekeraars</label:label>
    <label:label id="kvk-lr-in_NotesEquityStatementOfChangesPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesEquityStatementOfChangesPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Eigen vermogen, voorgaande periode: Mutatieoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesEquityFinancialPositionBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesEquityFinancialPositionBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Eigen vermogen: Financiële positie: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesEquityStatementOfChangesInsurance_label_nl" xlink:label="kvk-lr-in_NotesEquityStatementOfChangesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Eigen vermogen: Mutatieoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesEquityPolicyHoldersProductGroupInsurance_label_nl" xlink:label="kvk-lr-in_NotesEquityPolicyHoldersProductGroupInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Eigen vermogen: Productgroep polishouders</label:label>
    <label:label id="kvk-lr-in_NotesEquitySolvencyBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesEquitySolvencyBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Eigen vermogen: Solvabiliteit: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesEquityInsurance_label_nl" xlink:label="kvk-lr-in_NotesEquityInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Eigen vermogen</label:label>
    <label:label id="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Geactiveerde acquisitiekosten overzicht, voorgaande periode</label:label>
    <label:label id="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance_label_nl" xlink:label="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Geactiveerde acquisitiekosten overzicht</label:label>
    <label:label id="kvk-lr-in_NotesGeographicAreaInsuranceContractsInsurance_label_nl" xlink:label="kvk-lr-in_NotesGeographicAreaInsuranceContractsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Gebied verzekeringscontracten</label:label>
    <label:label id="kvk-lr-in_NotesAccountingPrinciplesResultInsurance_label_nl" xlink:label="kvk-lr-in_NotesAccountingPrinciplesResultInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Grondslagen voor de bepaling van het resultaat</label:label>
    <label:label id="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance_label_nl" xlink:label="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Grondslagen voor de waardering van activa en passiva</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesIntangibleAssetsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Immateriële vaste activa, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesIntangibleAssetsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Immateriële vaste activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesIntangibleAssetsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Immateriële vaste activa: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsInsurance_label_nl" xlink:label="kvk-lr-in_NotesIntangibleAssetsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Immateriële vaste activa</label:label>
    <label:label id="kvk-lr-in_NotesLifeInsuranceDetailedOverviewInsurance_label_nl" xlink:label="kvk-lr-in_NotesLifeInsuranceDetailedOverviewInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Levensverzekering gedetailleerd overzicht</label:label>
    <label:label id="kvk-lr-in_NotesLifeInsuranceOverviewInsurance_label_nl" xlink:label="kvk-lr-in_NotesLifeInsuranceOverviewInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Levensverzekering overzicht</label:label>
    <label:label id="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Mutatieoverzicht discretionaire winstdelingsverplichtingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Mutatieoverzicht discretionaire winstdelingsverplichtingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Niet-gerealiseerd verlies op beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Niet-gerealiseerde winst op beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesIncomeFromInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesIncomeFromInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Opbrengsten uit beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesAssetsOtherInsurance_label_nl" xlink:label="kvk-lr-in_NotesAssetsOtherInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa toelichting</label:label>
    <label:label id="kvk-lr-in_NotesAssetsOtherOtherAssetsOtherSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesAssetsOtherOtherAssetsOtherSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa: Andere overige activa: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesAssetsOtherBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesAssetsOtherBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige technische baten eigen rekening: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige technische baten eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige technische lasten eigen rekening, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige technische lasten eigen rekening: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige technische lasten eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesAccruedIncomeAccruedIncomeOtherSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesAccruedIncomeAccruedIncomeOtherSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overlopende activa: Overige overlopende activa: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overlopende activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overlopende activa: geactiveerde acquisitiekosten, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overlopende activa: geactiveerde acquisitiekosten: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesAccruedIncomeInsurance_label_nl" xlink:label="kvk-lr-in_NotesAccruedIncomeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overlopende activa</label:label>
    <label:label id="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance_label_nl" xlink:label="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overlopende passiva</label:label>
    <label:label id="kvk-lr-in_NotesResultTechnicalAccountLifeInsurance_label_nl" xlink:label="kvk-lr-in_NotesResultTechnicalAccountLifeInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaat technische rekening levensverzekering</label:label>
    <label:label id="kvk-lr-in_NotesResultTechnicalAccountDamageInsurance_label_nl" xlink:label="kvk-lr-in_NotesResultTechnicalAccountDamageInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaat technische rekening schadeverzekering</label:label>
    <label:label id="kvk-lr-in_NotesResultFromInvestmentsBreakdownPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesResultFromInvestmentsBreakdownPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaat uit beleggingen, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesResultFromInvestmentsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesResultFromInvestmentsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaat uit beleggingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesResultAnalysisIndustrySpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesResultAnalysisIndustrySpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaatanalyse: Branchegroep: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesResultAnalysisSourceOfProfitSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesResultAnalysisSourceOfProfitSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaatanalyse: Winstbron: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesResultAnalysisInsurance_label_nl" xlink:label="kvk-lr-in_NotesResultAnalysisInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaatanalyse</label:label>
    <label:label id="kvk-lr-in_NotesDamagesForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesDamagesForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schaden eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schaden en uitkeringen ontvangen bijdragen uit de centrale kassen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashInsurance_label_nl" xlink:label="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schaden en uitkeringen ontvangen bijdragen uit de centrale kassen</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewDisclosureInsurance_label_nl" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewDisclosureInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schadestatistiek toelichting</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schadestatistiek: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_nl" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schadestatistiek: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesIndemnityInsuranceComponentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesIndemnityInsuranceComponentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schadeverzekering componenten</label:label>
    <label:label id="kvk-lr-in_NotesLiabilitiesPayablesOtherSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesLiabilitiesPayablesOtherSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden: Overige schulden: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesLiabilitiesBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesLiabilitiesBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesLiabilitiesInsurance_label_nl" xlink:label="kvk-lr-in_NotesLiabilitiesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen levensverzekering: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen overige: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen voor te betalen schaden of uitkeringen, disconteringsvoet</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen voor te betalen schaden of uitkeringen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen voor verzekeringen waarbij polishouders het beleggingsrisico dragen en voor spaarkassen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen voor verzekeringen waarbij polishouders het beleggingsrisico dragen en voor spaarkassen</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionIndustrySpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionIndustrySpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen: Branchegroep: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen: Egalisatievoorziening, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen: Egalisatievoorziening: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen: Overige technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsInsurance_label_nl" xlink:label="kvk-lr-in_NotesTechnicalProvisionsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen</label:label>
    <label:label id="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance_label_nl" xlink:label="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Toegerekende opbrengsten uit beleggingen</label:label>
    <label:label id="kvk-lr-in_NotesLiabilityAdequacyTestInsurance_label_nl" xlink:label="kvk-lr-in_NotesLiabilityAdequacyTestInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Toereikendheidstoets</label:label>
    <label:label id="kvk-lr-in_NotesBenefitsForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesBenefitsForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Uitkeringen eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesEarnedPremiumsForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesEarnedPremiumsForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Verdiende premies eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsMovementPreviousInsurance_label_nl" xlink:label="kvk-lr-in_NotesProvisionsMovementPreviousInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsAcquisitionCostsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesProvisionsAcquisitionCostsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen: Acquisitiekosten: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsActuarialReportBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesProvisionsActuarialReportBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen: Actuarieel verslag: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsInterestRateDiscountMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesProvisionsInterestRateDiscountMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen: Rentestandkorting: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesProvisionsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsMovementInsurance_label_nl" xlink:label="kvk-lr-in_NotesProvisionsMovementInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsInsurance_label_nl" xlink:label="kvk-lr-in_NotesProvisionsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen</label:label>
    <label:label id="kvk-lr-in_NotesReceivablesBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesReceivablesBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesReceivablesInsurance_label_nl" xlink:label="kvk-lr-in_NotesReceivablesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen</label:label>
    <label:label id="kvk-lr-in_NotesLegalStatutoryReservesBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesLegalStatutoryReservesBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Wettelijke en statutaire reserves: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesLegalStatutoryReservesInsurance_label_nl" xlink:label="kvk-lr-in_NotesLegalStatutoryReservesInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Wettelijke en statutaire reserves</label:label>
    <label:label id="kvk-lr-in_NotesChangeInEqualisationReserveInsurance_label_nl" xlink:label="kvk-lr-in_NotesChangeInEqualisationReserveInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Wijziging egalisatievoorziening</label:label>
    <label:label id="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_nl" xlink:label="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Wijziging overige technische voorzieningen eigen rekening</label:label>
    <label:label id="kvk-lr-in_NotesProfitSharingAndDiscountsBreakdownInsurance_label_nl" xlink:label="kvk-lr-in_NotesProfitSharingAndDiscountsBreakdownInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Winstdeling en kortingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-in_NotesProfitSharingAndDiscountsInsurance_label_nl" xlink:label="kvk-lr-in_NotesProfitSharingAndDiscountsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Winstdeling en kortingen</label:label>
    <label:label id="kvk-lr-in_NotesInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_nl" xlink:label="kvk-lr-in_NotesInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Winstdeling, garanties en keuzemogelijkheden in verzekeringscontracten</label:label>
    <label:label id="kvk-lr-in_NotesIncludedCostProvisionInsurance_label_nl" xlink:label="kvk-lr-in_NotesIncludedCostProvisionInsurance_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening: Overige kosten: Inbegrepen kosten</label:label>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance" xlink:label="kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_BalanceSheetInsurance" xlink:label="kvk-lr-in_BalanceSheetInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_CashFlowStatementInsurance" xlink:label="kvk-lr-in_CashFlowStatementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance" xlink:label="kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfAcquisitionCosts" xlink:label="kvk-lr-in_ClassesOfAcquisitionCosts_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfEquityInsurance" xlink:label="kvk-lr-in_ClassesOfEquityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfIntangibleAssetsInsurance" xlink:label="kvk-lr-in_ClassesOfIntangibleAssetsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfInvestmentsInsurance" xlink:label="kvk-lr-in_ClassesOfInvestmentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfProvisionsForInsuranceLiabilitiesInsurance" xlink:label="kvk-lr-in_ClassesOfProvisionsForInsuranceLiabilitiesInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfProvisionsOtherInsurance" xlink:label="kvk-lr-in_ClassesOfProvisionsOtherInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfSettlementYearInsurance" xlink:label="kvk-lr-in_ClassesOfSettlementYearInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfTechnicalAccountsInsurance" xlink:label="kvk-lr-in_ClassesOfTechnicalAccountsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfTechnicalProvisionsInsurance" xlink:label="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedBalanceSheetInsurance" xlink:label="kvk-lr-in_ConsolidatedBalanceSheetInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedCashFlowStatementInsurance" xlink:label="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_DamageInsuranceAndReinsuranceInsurance" xlink:label="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_DamageYearInsurance" xlink:label="kvk-lr-in_DamageYearInsurance_loc" xlink:type="locator"/>
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