<?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
-->
<link:linkbase xmlns:gen="http://xbrl.org/2008/generic" xmlns:label="http://xbrl.org/2008/label" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://xbrl.org/2008/generic http://www.xbrl.org/2008/generic-link.xsd http://xbrl.org/2008/label http://www.xbrl.org/2008/generic-label.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2008/role/label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#standard-label" xlink:type="simple"/>
  <link:roleRef roleURI="urn:kvk:linkrole:consolidated-balance-sheet-insurance" xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedBalanceSheetInsurance" xlink:type="simple"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/arcrole/2008/element-label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#element-label" xlink:type="simple"/>
  <gen:link xlink:role="urn:kvk:linkrole:consolidated-balance-sheet-insurance" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="existenceAssertion_ConsolidatedBalanceSheetInsurance_PrtExistence1_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtExistence1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit1_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit2_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit3_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit4_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit5_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit6_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit8_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit8_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit9_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit9_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit10_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit10_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit11_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit11_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit12_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit12_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit1_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit2_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit3_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit4_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit5_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST101Variable1_loc" xlink:to="ConsolidatedBalanceSheetInsurance_PrtFST101Variable1_label_EN" xlink:type="arc"/>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`AccruedIncome` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`AssetsOther` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Assets` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtExistence1_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtExistence1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`BalanceSheetBeforeAfterAppropriationResults` MUST exist at least once.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit9_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit9_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`EqualisationReserve` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST101Variable1_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST101Variable1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`EquityAndLiabilities` SHOULD be equal to + `Assets`.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`EquityAndLiabilities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`EquityGroup` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Investments` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit12_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit12_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Liabilities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Receivables` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit5_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`TechnicalProvisionsForDamagesOrBenefitsPayable` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit11_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit11_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`TechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFunds` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit4_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`TechnicalProvisionsLifeInsurance` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit10_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit10_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`TechnicalProvisionsOther` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit8_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit8_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`TechnicalProvisionsProfitSharingAndDiscounts` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`TechnicalProvisionsUnearnedPremiumsUnexpiredRisks` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit6_label_EN" xlink:label="ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`TechnicalProvisions` SHOULD be equal to the summation of the underlying values.</label:label>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#existenceAssertion_ConsolidatedBalanceSheetInsurance_PrtExistence1" xlink:label="existenceAssertion_ConsolidatedBalanceSheetInsurance_PrtExistence1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit1" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit2" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit3" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit4" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit5" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit6" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit8" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit8_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit9" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit9_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit10" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit10_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit11" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit11_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit12" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentCredit12_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit1" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit2" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit3" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit4" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit5" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST1SumOfChildrenDParentDebit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-insurance-for.xml#valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST101Variable1" xlink:label="valueAssertion_ConsolidatedBalanceSheetInsurance_PrtFST101Variable1_loc" xlink:type="locator"/>
  </gen:link>
</link:linkbase>
