<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<!--
  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
-->
<xs:schema xmlns:gen="http://xbrl.org/2008/generic" xmlns:kvk-lr-in="http://www.nltaxonomie.nl/nt21/kvk/20261209.a/dictionary/kvk-linkroles-insurance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xs="http://www.w3.org/2001/XMLSchema" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.nltaxonomie.nl/nt21/kvk/20261209.a/dictionary/kvk-linkroles-insurance">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-linkroles-insurance-generic-lab-de.xml" xlink:role="http://www.xbrl.org/2008/role/link" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-linkroles-insurance-generic-lab-en.xml" xlink:role="http://www.xbrl.org/2008/role/link" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-linkroles-insurance-generic-lab-fr.xml" xlink:role="http://www.xbrl.org/2008/role/link" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-linkroles-insurance-generic-lab-nl.xml" xlink:role="http://www.xbrl.org/2008/role/link" xlink:type="simple"/>
      <link:roleType id="kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance" roleURI="urn:kvk:linkrole:acquisition-costs-capitalised-components-insurance">
        <link:definition>Geactiveerde acquisitiekosten componenten</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_BalanceSheetInsurance" roleURI="urn:kvk:linkrole:balance-sheet-insurance">
        <link:definition>Balans</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_CashFlowStatementInsurance" roleURI="urn:kvk:linkrole:cash-flow-statement-insurance">
        <link:definition>Kasstroomoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfAcquisitionCosts" roleURI="urn:kvk:linkrole:classes-of-acquisition-costs">
        <link:definition>Klassen van acquisitiekosten</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance" roleURI="urn:kvk:linkrole:classes-of-acquisition-costs-capitalised-insurance">
        <link:definition>Categorieën van geactiveerde acquisitiekosten</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfEquityInsurance" roleURI="urn:kvk:linkrole:classes-of-equity-insurance">
        <link:definition>Categorieën van eigen vermogen</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance" roleURI="urn:kvk:linkrole:classes-of-insurance-account-indemnity-insurance">
        <link:definition>Categorieën voor rekening schadeverzekering</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance" roleURI="urn:kvk:linkrole:classes-of-insurance-account-life-insurance">
        <link:definition>Categorieën van verzekering voor rekening levensverzekering</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance" roleURI="urn:kvk:linkrole:classes-of-insurance-account-non-technical-insurance">
        <link:definition>Categorieën van verzekering voor niet-technische rekening</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfIntangibleAssetsInsurance" roleURI="urn:kvk:linkrole:classes-of-intangible-assets-insurance-insurance">
        <link:definition>Categorieën van immateriële activa</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfInvestmentsInsurance" roleURI="urn:kvk:linkrole:classes-of-investments-insurance">
        <link:definition>Categorieën van beleggingen</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfProvisionsForInsuranceLiabilitiesInsurance" roleURI="urn:kvk:linkrole:classes-of-provisions-for-insurance-liabilities-insurance">
        <link:definition>Categorieën van verzekeringsverplichtingen</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfProvisionsOtherInsurance" roleURI="urn:kvk:linkrole:classes-of-provisions-other-insurance">
        <link:definition>Categorieën van overige voorzieningen</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfSettlementYearInsurance" roleURI="urn:kvk:linkrole:classes-of-settlement-year-insurance">
        <link:definition>Categorieën van afwikkeljaar</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfTechnicalAccountsInsurance" roleURI="urn:kvk:linkrole:classes-of-technical-accounts-insurance">
        <link:definition>Categorieën van technische rekeningen</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance" roleURI="urn:kvk:linkrole:classes-of-technical-provisions-insurance">
        <link:definition>Categorieën van technische voorzieningen</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ConsolidatedBalanceSheetInsurance" roleURI="urn:kvk:linkrole:consolidated-balance-sheet-insurance">
        <link:definition>Geconsolideerde balans</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ConsolidatedCashFlowStatementInsurance" roleURI="urn:kvk:linkrole:consolidated-cash-flow-statement-insurance">
        <link:definition>Geconsolideerde kasstroomoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance" roleURI="urn:kvk:linkrole:consolidated-income-statement-non-technical-account-insurance">
        <link:definition>Geconsolideerde resultatenrekening niet-technische rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance" roleURI="urn:kvk:linkrole:consolidated-income-statement-technical-account-indemnity-insurance">
        <link:definition>Geconsolideerde resultatenrekening technische rekening schadeverzekering</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance" roleURI="urn:kvk:linkrole:consolidated-income-statement-technical-account-life-insurance">
        <link:definition>Geconsolideerde resultatenrekening technische rekening levensverzekering</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance" roleURI="urn:kvk:linkrole:damage-insurance-and-reinsurance-insurance">
        <link:definition>Schadeverzekering en herverzekering</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_DamageYearInsurance" roleURI="urn:kvk:linkrole:damage-year-insurance">
        <link:definition>Schadejaar</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_DamageYearSettlementStatisticsInsurance" roleURI="urn:kvk:linkrole:damage-year-settlement-statistics-insurance">
        <link:definition>Schadejaar afloopstatistiek</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_DurationTechnicalProvisionsInsurance" roleURI="urn:kvk:linkrole:duration-technical-provisions-insurance">
        <link:definition>Looptijd van technische voorzieningen</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_GeographicAreaInsuranceContractsInsurance" roleURI="urn:kvk:linkrole:geographic-area-insurance-contracts-insurance">
        <link:definition>Geografische gebied verzekeringscontracten</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance" roleURI="urn:kvk:linkrole:income-statement-non-technical-account-insurance">
        <link:definition>Resultatenrekening niet-technische rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance" roleURI="urn:kvk:linkrole:income-statement-technical-account-indemnity-insurance">
        <link:definition>Resultatenrekening technische rekening schadeverzekering</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance" roleURI="urn:kvk:linkrole:income-statement-technical-account-life-insurance">
        <link:definition>Resultatenrekening technische rekening levensverzekering</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_IndemnityInsuranceComponentsInsurance" roleURI="urn:kvk:linkrole:indemnity-insurance-components-insurance">
        <link:definition>Schadeverzekering componenten</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_LifeInsurance" roleURI="urn:kvk:linkrole:life-insurance">
        <link:definition>Levensverzekering</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_LifeInsuranceAndReinsuranceInsurance" roleURI="urn:kvk:linkrole:life-insurance-and-reinsurance-insurance">
        <link:definition>Levensverzekering en herverzekering</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance" roleURI="urn:kvk:linkrole:notes-accounting-principles-assets-liabilities-insurance">
        <link:definition>Toelichting op de jaarrekening - Grondslagen voor de waardering van activa en passiva</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAccountingPrinciplesResultInsurance" roleURI="urn:kvk:linkrole:notes-accounting-principles-result-insurance">
        <link:definition>Toelichting op de jaarrekening - Grondslagen voor de bepaling van het resultaat</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance" roleURI="urn:kvk:linkrole:notes-accruals-and-deferred-income-insurance">
        <link:definition>Toelichting op de jaarrekening - Overlopende passiva</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAccruedIncomeAccruedIncomeOtherSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-accrued-income-accrued-income-other-specification-insurance">
        <link:definition>Toelichting op de jaarrekening - Overlopende activa: Overige overlopende activa: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-accrued-income-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Overlopende activa: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAccruedIncomeInsurance" roleURI="urn:kvk:linkrole:notes-accrued-income-insurance">
        <link:definition>Toelichting op de jaarrekening - Overlopende activa</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewPreviousInsurance" roleURI="urn:kvk:linkrole:notes-acquisition-costs-capitalised-overview-previous-insurance">
        <link:definition>Toelichting op de jaarrekening - Geactiveerde acquisitiekosten overzicht, voorgaande periode</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance" roleURI="urn:kvk:linkrole:notes-acquisitions-costs-capitalised-overview-insurance">
        <link:definition>Toelichting op de jaarrekening - Geactiveerde acquisitiekosten overzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance" roleURI="urn:kvk:linkrole:notes-allocated-income-from-investments-insurance">
        <link:definition>Toelichting op de jaarrekening - Toegerekende opbrengsten uit beleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAssetsOtherBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-assets-other-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Overige activa: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAssetsOtherInsurance" roleURI="urn:kvk:linkrole:notes-assets-other-insurance">
        <link:definition>Toelichting op de jaarrekening - Overige activa toelichting</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesAssetsOtherOtherAssetsOtherSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-assets-other-other-assets-other-specification-insurance">
        <link:definition>Toelichting op de jaarrekening - Overige activa: Andere overige activa: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesBenefitsForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-benefits-for-own-account-insurance">
        <link:definition>Toelichting op de jaarrekening - Uitkeringen eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance" roleURI="urn:kvk:linkrole:notes-capitalised-acquisition-costs-movement-insurance">
        <link:definition>Toelichting op de jaarrekening - Overlopende activa: geactiveerde acquisitiekosten: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementPreviousInsurance" roleURI="urn:kvk:linkrole:notes-capitalised-acquisition-costs-movement-previous-insurance">
        <link:definition>Toelichting op de jaarrekening - Overlopende activa: geactiveerde acquisitiekosten, voorgaande periode: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesChangeInEqualisationReserveInsurance" roleURI="urn:kvk:linkrole:notes-change-in-equalisation-reserve-insurance">
        <link:definition>Toelichting op de jaarrekening - Wijziging egalisatievoorziening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-change-in-other-technical-provisions-for-own-account-insurance">
        <link:definition>Toelichting op de jaarrekening - Wijziging overige technische voorzieningen eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance" roleURI="urn:kvk:linkrole:notes-commissions-paid-and-payable-insurance">
        <link:definition>Toelichting op de jaarrekening - Betaalde en verschuldigde provisies</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-accounting-principles-assets-liabilities-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Grondslagen voor de waardering van activa en passiva</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-accounting-principles-result-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Grondslagen voor de bepaling van het resultaat</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-accruals-and-deferred-income-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overlopende passiva</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAccruedIncomeAccruedIncomeOtherSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-accrued-income-accrued-income-other-specification-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overlopende activa: Overige overlopende activa: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-accrued-income-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overlopende activa: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-accrued-income-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overlopende activa</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewPreviousInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-acquisition-costs-capitalised-overview-previous-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Geactiveerde acquisitiekosten overzicht, voorgaande periode</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-acquisitions-costs-capitalised-overview-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Geactiveerde acquisitiekosten overzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-allocated-income-from-investments-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Toegerekende opbrengsten uit beleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-assets-other-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overige activa: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAssetsOtherInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-assets-other-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overige activa</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-assets-other-other-assets-other-specification-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overige activa: Andere overige activa: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-benefits-for-own-account-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Uitkeringen eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-capitalised-acquisition-costs-movement-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overlopende activa: geactiveerde acquisitiekosten: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementPreviousInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-capitalised-acquisition-costs-movement-previous-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overlopende activa: geactiveerde acquisitiekosten, voorgaande periode: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-change-in-equalisation-reserve-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Wijziging egalisatievoorziening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-change-in-other-technical-provisions-for-own-account-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Wijziging overige technische voorzieningen eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-commissions-paid-and-payable-insurance">
        <link:definition>Toelichting op de jaarrekening - Betaalde en verschuldigde provisies</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-damage-outflow-overview-disclosure-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schadestatistiek toelichting</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-damage-outflow-overview-specification-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schadestatistiek: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-damage-outflow-overview-specification-presentation-order-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schadestatistiek: Specificatie</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-damages-and-benefits-received-central-cash-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schaden en uitkeringen ontvangen bijdragen uit de centrale kassen: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-damages-and-benefits-received-central-cash-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schaden en uitkeringen ontvangen bijdragen uit de centrale kassen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-damages-for-own-account-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schaden eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-deposits-of-reinsurers-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Depots van herverzekeraars</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-earned-premiums-for-own-account-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Verdiende premies eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedEquityFinancialPositionBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-equity-financial-position-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Eigen vermogen: Financiële positie: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedEquityInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-equity-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Eigen vermogen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-equity-solvency-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Eigen vermogen: Solvabiliteit: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-geographic-area-insurance-contracts-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Gebied verzekeringscontracten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIncludedCostProvisionInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-included-cost-provision-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening: Overige kosten: Inbegrepen kosten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-income-from-investments-allocated-to-non-technical-account-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Aan niet-technische rekening toegerekende opbrengst uit beleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-income-from-investments-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Opbrengsten uit beleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIncomeOtherExpensesOtherInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-income-other-expenses-other-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Andere baten en andere lasten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-income-tax-expense-ordinary-activities-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Belastingen resultaat uit gewone bedrijfsuitoefening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIndemnityInsuranceComponentsInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-indemnity-insurance-components-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schadeverzekering componenten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-insurance-contract-profit-sharing-guarantees-options-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Winstdeling, garanties en keuzemogelijkheden in verzekeringscontracten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIntangibleAssetsBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-intangible-assets-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIntangibleAssetsEconomicLifeInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-intangible-assets-economic-life-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa: Economische levensduur</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIntangibleAssetsInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-intangible-assets-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-intangible-assets-movement-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementPreviousInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-intangible-assets-movement-previous-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa, voorgaande periode: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedInvestmentEntitiesInvestmentsPoolsDescriptionInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-investment-entities-investments-pools-description-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Participaties in beleggingsentiteiten en beleggingspools</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedInvestmentExpensesInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-investment-expenses-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Beleggingslasten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedInvestmentsBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-investments-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Beleggingen: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedInvestmentsInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-investments-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Beleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedInvestmentsMovementInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-investments-movement-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Beleggingen: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedInvestmentsMovementPreviousInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-investments-movement-previous-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Beleggingen, voorgaande periode: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedInvestmentsRiskOfPolicyHoldersSavingsBankInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-investments-risk-of-policy-holders-savings-bank-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico van polishouders en spaarkasbeleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedLiabilitiesBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-liabilities-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schulden: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedLiabilitiesInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-liabilities-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schulden</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedLiabilitiesPayablesOtherSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-liabilities-payables-other-specification-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Schulden: Overige schulden: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedLiabilityAdequacyTestInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-liability-adequacy-test-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Toereikendheidstoets</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedLifeInsuranceDetailedOverviewInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-life-insurance-detailed-overview-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Levensverzekering gedetailleerd overzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesConsolidatedLifeInsuranceOverviewInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-life-insurance-overview-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Levensverzekering overzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedOperatingExpensesInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-operating-expenses-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Bedrijfskosten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-other-technical-expenses-for-own-account-breakdown-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overige technische lasten eigen rekening: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overige technische lasten eigen rekening, voorgaande periode: Uitsplitsing</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overige technische lasten eigen rekening</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overige technische baten eigen rekening: Uitsplitsing</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Overige technische baten eigen rekening</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Winstdeling en kortingen: Uitsplitsing</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Winstdeling en kortingen</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Acquisitiekosten: Verloopoverzicht</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Actuarieel verslag: Uitsplitsing</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Uitsplitsing</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Voorzieningen</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Rentestandkorting: Verloopoverzicht</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Verloopoverzicht</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Voorzieningen, voorgaande periode: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Vorderingen: Uitsplitsing</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Vorderingen</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Buitengewoon resultaat na belastingen</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Resultaatanalyse: Branchegroep: Specificatie</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Resultaatanalyse</link:definition>
        <link:usedOn>gen:link</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Resultaatanalyse: Winstbron: Specificatie</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Resultaat uit beleggingen: Uitsplitsing</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Resultaat uit beleggingen, voorgaande periode: Uitsplitsing</link:definition>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedResultTechnicalAccountDamageInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-result-technical-account-damage-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Resultaat technische rekening schadeverzekering</link:definition>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedResultTechnicalAccountLifeInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-result-technical-account-life-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Resultaat technische rekening levensverzekering</link:definition>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedSettlementStatisticsDisclosureInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-settlement-statistics-disclosure-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek toelichting</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek bruto: Specificatie, voorgaande periode: Specificatie</link:definition>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-settlement-statistics-gross-specification-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek bruto: Specificatie</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek herverzekering: Specificatie, voorgaande periode: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsuranceSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-settlement-statistics-reinsurance-specification-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Afloopstatistiek herverzekering: Specificatie</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Aandeel in resultaat van ondernemingen waarin wordt deelgenomen: Specificatie</link:definition>
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      <link:roleType id="kvk-lr-in_NotesConsolidatedSubordinatedLiabilitiesInsurance" roleURI="urn:kvk:linkrole:notes-consolidated-subordinated-liabilities-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Achtergestelde schulden</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Branchegroep: Specificatie</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Uitsplitsing</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Egalisatievoorziening: Verloopoverzicht</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Egalisatievoorziening, voorgaande periode: Verloopoverzicht</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen voor te betalen schaden of uitkeringen: Uitsplitsing</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen voor te betalen schaden of uitkeringen, disconteringsvoet</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen levensverzekering: Uitsplitsing</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Verloopoverzicht</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen, voorgaande periode: Verloopoverzicht</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen overige: Uitsplitsing</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Overige technische voorzieningen: Specificatie</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Niet-gerealiseerd verlies op beleggingen</link:definition>
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        <link:definition>Toelichting op de geconsolideerde jaarrekening - Niet-gerealiseerde winst op beleggingen</link:definition>
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        <link:definition>Toelichting op de jaarrekening - Schadestatistiek toelichting</link:definition>
        <link:usedOn>gen:link</link:usedOn>
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        <link:usedOn>gen:link</link:usedOn>
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        <link:definition>Toelichting op de jaarrekening - Schadestatistiek: Specificatie</link:definition>
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      <link:roleType id="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-damages-and-benefits-received-central-cash-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Schaden en uitkeringen ontvangen bijdragen uit de centrale kassen: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashInsurance" roleURI="urn:kvk:linkrole:notes-damages-and-benefits-received-central-cash-insurance">
        <link:definition>Toelichting op de jaarrekening - Schaden en uitkeringen ontvangen bijdragen uit de centrale kassen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesDamagesForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-damages-for-own-account-insurance">
        <link:definition>Toelichting op de jaarrekening - Schaden eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesDepositsOfReinsurersInsurance" roleURI="urn:kvk:linkrole:notes-deposits-of-reinsurers-insurance">
        <link:definition>Toelichting op de jaarrekening - Depots van herverzekeraars</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesDesignatedReserveMovementSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-designated-reserve-movement-specification-insurance">
        <link:definition>Toelichting op de jaarrekening - Bestemmingsreserve: Verloopoverzicht: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesDesignatedReservesInsurance" roleURI="urn:kvk:linkrole:notes-designated-reserves-insurance">
        <link:definition>Toelichting op de jaarrekening - Bestemmingsreserves</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesDesignatedReservesSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-designated-reserves-specification-insurance">
        <link:definition>Toelichting op de jaarrekening - Bestemmingsreserves: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesEarnedPremiumsForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-earned-premiums-for-own-account-insurance">
        <link:definition>Toelichting op de jaarrekening - Verdiende premies eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementPreviousInsurance" roleURI="urn:kvk:linkrole:notes-equity-discretionary-profit-sharing-movement-previous-insurance">
        <link:definition>Toelichting op de jaarrekening - Mutatieoverzicht discretionaire winstdelingsverplichtingen, voorgaande periode: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesEquityFinancialPositionBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-equity-financial-position-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Eigen vermogen: Financiële positie: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesEquityInsurance" roleURI="urn:kvk:linkrole:notes-equity-insurance">
        <link:definition>Toelichting op de jaarrekening - Eigen vermogen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesEquityPolicyHoldersProductGroupInsurance" roleURI="urn:kvk:linkrole:notes-equity-policy-holders-product-group-insurance">
        <link:definition>Toelichting op de jaarrekening - Eigen vermogen: Productgroep polishouders</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesEquitySolvencyBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-equity-solvency-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Eigen vermogen: Solvabiliteit: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesEquityStatementOfChangesInsurance" roleURI="urn:kvk:linkrole:notes-equity-statement-of-changes-insurance">
        <link:definition>Toelichting op de jaarrekening - Eigen vermogen: Mutatieoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesEquityStatementOfChangesPreviousInsurance" roleURI="urn:kvk:linkrole:notes-equity-statement-of-changes-previous-insurance">
        <link:definition>Toelichting op de jaarrekening - Eigen vermogen, voorgaande periode: Mutatieoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesGeographicAreaInsuranceContractsInsurance" roleURI="urn:kvk:linkrole:notes-geographic-area-insurance-contracts-insurance">
        <link:definition>Toelichting op de jaarrekening - Gebied verzekeringscontracten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIncludedCostProvisionInsurance" roleURI="urn:kvk:linkrole:notes-included-cost-provision-insurance">
        <link:definition>Toelichting op de jaarrekening: Overige kosten: Inbegrepen kosten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance" roleURI="urn:kvk:linkrole:notes-income-from-investments-allocated-to-non-technical-account-insurance">
        <link:definition>Toelichting op de jaarrekening - Aan niet-technische rekening toegerekende opbrengst uit beleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIncomeFromInvestmentsInsurance" roleURI="urn:kvk:linkrole:notes-income-from-investments-insurance">
        <link:definition>Toelichting op de jaarrekening - Opbrengsten uit beleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIncomeOtherExpensesOtherInsurance" roleURI="urn:kvk:linkrole:notes-income-other-expenses-other-insurance">
        <link:definition>Toelichting op de jaarrekening - Andere baten en andere lasten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIncomeTaxExpenseOrdinaryActivitiesInsurance" roleURI="urn:kvk:linkrole:notes-income-tax-expense-ordinary-activities-insurance">
        <link:definition>Toelichting op de jaarrekening - Belastingen resultaat uit gewone bedrijfsuitoefening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIndemnityInsuranceComponentsInsurance" roleURI="urn:kvk:linkrole:notes-indemnity-insurance-components-insurance">
        <link:definition>Toelichting op de jaarrekening - Schadeverzekering componenten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesInsuranceContractsProfitSharingGuaranteesOptionsInsurance" roleURI="urn:kvk:linkrole:notes-insurance-contract-profit-sharing-guarantees-options-insurance">
        <link:definition>Toelichting op de jaarrekening - Winstdeling, garanties en keuzemogelijkheden in verzekeringscontracten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIntangibleAssetsBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-intangible-assets-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Immateriële vaste activa: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIntangibleAssetsEconomicLifeInsurance" roleURI="urn:kvk:linkrole:notes-intangible-assets-economic-life-insurance">
        <link:definition>Toelichting op de geconsolideerde jaarrekening - Immateriële vaste activa: Economische levensduur</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIntangibleAssetsInsurance" roleURI="urn:kvk:linkrole:notes-intangible-assets-insurance">
        <link:definition>Toelichting op de jaarrekening - Immateriële vaste activa</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIntangibleAssetsMovementInsurance" roleURI="urn:kvk:linkrole:notes-intangible-assets-movement-insurance">
        <link:definition>Toelichting op de jaarrekening - Immateriële vaste activa: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesIntangibleAssetsMovementPreviousInsurance" roleURI="urn:kvk:linkrole:notes-intangible-assets-movement-previous-insurance">
        <link:definition>Toelichting op de jaarrekening - Immateriële vaste activa, voorgaande periode: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesInvestmentEntitiesInvestmentsPoolsDescriptionInsurance" roleURI="urn:kvk:linkrole:notes-investment-entities-investments-pools-description-insurance">
        <link:definition>Toelichting op de jaarrekening - Beleggingsentiteiten belangen in beleggingspools beschrijving</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesInvestmentExpensesInsurance" roleURI="urn:kvk:linkrole:notes-investment-expenses-insurance">
        <link:definition>Toelichting op de jaarrekening - Beleggingslasten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesInvestmentsBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-investments-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Beleggingen: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesInvestmentsInsurance" roleURI="urn:kvk:linkrole:notes-investments-insurance">
        <link:definition>Toelichting op de jaarrekening - Beleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesInvestmentsMovementInsurance" roleURI="urn:kvk:linkrole:notes-investments-movement-insurance">
        <link:definition>Toelichting op de jaarrekening - Beleggingen: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesInvestmentsMovementPreviousInsurance" roleURI="urn:kvk:linkrole:notes-investments-movement-previous-insurance">
        <link:definition>Toelichting op de jaarrekening - Beleggingen, voorgaande periode: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesInvestmentsRiskOfPolicyHoldersSavingsBankInsurance" roleURI="urn:kvk:linkrole:notes-investments-risk-of-policy-holders-savings-bank-insurance">
        <link:definition>Toelichting op de jaarrekening - Beleggingen voor risico van polishouders en spaarkasbeleggingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesLegalStatutoryReservesBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-legal-statutory-reserves-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Wettelijke en statutaire reserves: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesLegalStatutoryReservesInsurance" roleURI="urn:kvk:linkrole:notes-legal-statutory-reserves-insurance">
        <link:definition>Toelichting op de jaarrekening - Wettelijke en statutaire reserves</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesLiabilitiesBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-liabilities-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Schulden: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesLiabilitiesInsurance" roleURI="urn:kvk:linkrole:notes-liabilities-insurance">
        <link:definition>Toelichting op de jaarrekening - Schulden</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesLiabilitiesPayablesOtherSpecificationInsurance" roleURI="urn:kvk:linkrole:notes-liabilities-payables-other-specification-insurance">
        <link:definition>Toelichting op de jaarrekening - Schulden: Overige schulden: Specificatie</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesLiabilityAdequacyTestInsurance" roleURI="urn:kvk:linkrole:notes-liability-adequacy-test-insurance">
        <link:definition>Toelichting op de jaarrekening - Toereikendheidstoets</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesLifeInsuranceDetailedOverviewInsurance" roleURI="urn:kvk:linkrole:notes-life-insurance-detailed-overview-insurance">
        <link:definition>Toelichting op de jaarrekening - Levensverzekering gedetailleerd overzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesLifeInsuranceOverviewInsurance" roleURI="urn:kvk:linkrole:notes-life-insurance-overview-insurance">
        <link:definition>Toelichting op de jaarrekening - Levensverzekering overzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesOperatingExpensesInsurance" roleURI="urn:kvk:linkrole:notes-operating-expenses-insurance">
        <link:definition>Toelichting op de jaarrekening - Bedrijfskosten</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-other-technical-expenses-for-own-account-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Overige technische lasten eigen rekening: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance" roleURI="urn:kvk:linkrole:notes-other-technical-expenses-for-own-account-breakdown-previous-insurance">
        <link:definition>Toelichting op de jaarrekening - Overige technische lasten eigen rekening, voorgaande periode: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-other-technical-expenses-for-own-account-insurance">
        <link:definition>Toelichting op de jaarrekening - Overige technische lasten eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-other-technical-income-for-own-account-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Overige technische baten eigen rekening: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountInsurance" roleURI="urn:kvk:linkrole:notes-other-technical-income-for-own-account-insurance">
        <link:definition>Toelichting op de jaarrekening - Overige technische baten eigen rekening</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesProfitSharingAndDiscountsBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-profit-sharing-and-discounts-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Winstdeling en kortingen: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesProfitSharingAndDiscountsInsurance" roleURI="urn:kvk:linkrole:notes-profit-sharing-and-discounts-insurance">
        <link:definition>Toelichting op de jaarrekening - Winstdeling en kortingen</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesProvisionsAcquisitionCostsMovementInsurance" roleURI="urn:kvk:linkrole:notes-provisions-acquisition-costs-movement-insurance">
        <link:definition>Toelichting op de jaarrekening - Voorzieningen: Acquisitiekosten: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesProvisionsActuarialReportBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-provisions-actuarial-report-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Voorzieningen: Actuarieel verslag: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="kvk-lr-in_NotesProvisionsBreakdownInsurance" roleURI="urn:kvk:linkrole:notes-provisions-breakdown-insurance">
        <link:definition>Toelichting op de jaarrekening - Voorzieningen: Uitsplitsing</link:definition>
        <link:usedOn>gen:link</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
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        <link:definition>Toelichting op de jaarrekening - Technische voorzieningen: Verloopoverzicht</link:definition>
        <link:usedOn>gen:link</link:usedOn>
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        <link:definition>Toelichting op de jaarrekening - Technische voorzieningen, voorgaande periode: Verloopoverzicht</link:definition>
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