<?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-cash-flow-statement-insurance" xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedCashFlowStatementInsurance" 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-cash-flow-statement-insurance" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA1_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA2_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA3_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA4_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA5_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit1_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit2_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit3_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit1_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit2_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit3_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit4_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit5_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit6_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST103Variables1_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtFST103Variables1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA1_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA2_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA3_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA4_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA5_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA6_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA7_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA7_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA8_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA8_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA9_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA9_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA10_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA10_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA11_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA11_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA12_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA12_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA13_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA13_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA14_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA14_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA15_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA15_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA16_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA16_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA17_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA17_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA18_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA18_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA19_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA19_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA20_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA20_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA21_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA21_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA22_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA22_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA23_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA23_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA24_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA24_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA25_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA25_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA26_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA26_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA27_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA27_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA28_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA28_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA29_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA29_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA30_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA30_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA31_loc" xlink:to="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA31_label_EN" xlink:type="arc"/>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Reported value of `CashAndCashEquivalentsCashFlow` at end of period SHOULD be equal to sum of reported value of `CashAndCashEquivalentsCashFlow` at beginning of period and changes in that value during period, `IncreaseDecreaseCashAndCashEquivalents`.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA4_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When `CashAndCashEquivalentsCashFlow` is reported then `CashFlowStatementMethodType` MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA1_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When `CashFlowFinancingActivities` is reported then `CashFlowStatementMethodType` MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA5_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When `EffectExchangeRateChangesCashAndCashEquivalents` is reported then `CashFlowStatementMethodType` MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA2_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When `IncreaseDecreaseCashAndCashEquivalents` is reported then `CashFlowStatementMethodType` MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA3_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When `NetCashFlows` is reported then `CashFlowStatementMethodType` MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA24_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA24_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `AmortisationAcquisitionCosts` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA30_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA30_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `AmortisationInterestRatesDiscounts` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA8_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA8_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `CashFlowsOperatingActivitiesOther` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA27_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA27_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `DeferredAcquisitionCostsClassifiedAsOperatingActivities` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA10_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA10_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `DepreciationOperatingAssets` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA19_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA19_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `GrantedInterestRatesDiscounts` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA18_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA18_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `IncreaseDecreaseInReceivables` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA14_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA14_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `IncreaseDecreaseProvisions` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA7_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA7_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `IncreaseTechnicalProvisionsForOwnAccount` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA23_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA23_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `MovementBorrowingsCurrent` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA21_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA21_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Direct` then `NetResultCashFlow` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA11_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA11_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `AcquisitionCostsPaid` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA1_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `BalanceOtherTechnicalIncomeExpensesCashFlow` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA31_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA31_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `CommissionsAndProfitSharingReceivedFromReinsurers` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA22_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA22_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `DamagesBenefitsPaid` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA16_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA16_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `DamagesBenefitsReceivedFromReinsurers` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA4_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `ExpensesOtherPaid` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA6_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `IncomeExpensesOtherCashFlow` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA28_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA28_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `IncomeOtherReceived` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA15_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA15_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `IncomeTaxPaidClassifiedAsOperatingActivities` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA13_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA13_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `IncomeTaxReceivedClassifiedAsOperatingActivities` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA5_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `InterestDividendsRentReceived` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA17_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA17_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `InterestOtherInvestmentExpensesPaid` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA29_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA29_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `OperatingExpensesOtherPaid` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA3_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `OtherTechnicalExpensesPaid` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA12_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA12_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `OtherTechnicalIncomeReceived` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA26_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA26_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `PremiumsReceived` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA9_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA9_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `ProfitSharingAndDiscountsPaid` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA20_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA20_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `ReceiptsCustomers` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA25_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA25_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `ReceiptsOtherPolicyholders` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA2_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of `CashFlowStatementMethodType` is equal to `Indirect` then `ReinsurancePremiumsPaid` SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`AdditionsAcquisitionsClassifiedAsInvestingActivities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit2_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`BalanceOtherTechnicalIncomeExpensesCashFlow` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`CashFlowFinancingActivities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit6_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`CashFlowFromOperations` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit4_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`CashFlowInvestingActivities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`CashFlowOperatingActivities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit5_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`DisposalsRedemptionsDivestituresClassifiedAsInvestingActivities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit3_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`IncomeExpensesOtherCashFlow` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit3_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`IncreaseDecreaseCashAndCashEquivalents` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementInsurance_PrtFST103Variables1_label_EN" xlink:label="ConsolidatedCashFlowStatementInsurance_PrtFST103Variables1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`NetCashFlows` SHOULD be equal to + `CashFlowOperatingActivities` + `CashFlowInvestingActivities` + `CashFlowFinancingActivities`.</label:label>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA3" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA4" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA5" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtExistenceThnExistenceCovA5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1PeriodStartMutationPeriodEnd1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit3" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentCredit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit3" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit4" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit5" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit6" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST1SumOfChildrenParentDebit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST103Variables1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtFST103Variables1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA3" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA4" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA5" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA6" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA7" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA8" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA8_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA9" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA9_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA10" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA10_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA11" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA11_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA12" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA12_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA13" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA13_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA14" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA14_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA15" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA15_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA16" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA16_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA17" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA17_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA18" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA18_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA19" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA19_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA20" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA20_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA21" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA21_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA22" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA22_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-insurance-for.xml#valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA23" xlink:label="valueAssertion_ConsolidatedCashFlowStatementInsurance_PrtValueThnNoExistenceCovA23_loc" xlink:type="locator"/>
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