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<!--
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT21
  Version: 20261209.a
  Release date: April, 2026
-->
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    <label:label id="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ablaufstatistik Rückversicherung: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsGrossPreviousSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesSettlementStatisticsGrossPreviousSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ablaufstatistik brutto, vorangegangener Berichtszeitraum: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ablaufstatistik brutto: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aktive Rechnungsabgrenzungsposten: Aktivierte Akquisitionskosten, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aktive Rechnungsabgrenzungsposten: Aktivierte Akquisitionskosten: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aktive Rechnungsabgrenzungsposten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesAccruedIncomeAccruedIncomeOtherSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesAccruedIncomeAccruedIncomeOtherSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aktive Rechnungsabgrenzungsposten: Sonstige aktive Rechnungsabgrenzungsposten: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesAccruedIncomeInsurance_label_de" xlink:label="kvk-lr-in_NotesAccruedIncomeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aktive Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aktivierte Akquisitionskosten Übersicht, vorangegangener Berichtszeitraum</label:label>
    <label:label id="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance_label_de" xlink:label="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aktivierte Akquisitionskosten Übersicht</label:label>
    <label:label id="kvk-lr-in_NotesIncomeOtherExpensesOtherInsurance_label_de" xlink:label="kvk-lr-in_NotesIncomeOtherExpensesOtherInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Andere Erträge und Aufwendungen</label:label>
    <label:label id="kvk-lr-in_NotesLiabilityAdequacyTestInsurance_label_de" xlink:label="kvk-lr-in_NotesLiabilityAdequacyTestInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Angemessenheitstest</label:label>
    <label:label id="kvk-lr-in_NotesShareResultsParticipatingInterestsSpecificationInsuranceTotal_label_de" xlink:label="kvk-lr-in_NotesShareResultsParticipatingInterestsSpecificationInsuranceTotal_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Anteil am Ergebnis von Beteiligungen: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aufstellung der Entwicklung der ermessensabhängigen Gewinnbeteiligungsverpflichtungen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesEquityDiscretionaryProfitSharingMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aufstellung der Entwicklung der ermessensabhängigen Gewinnbeteiligungsverpflichtungen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesBenefitsForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesBenefitsForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Auszahlungen auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesResultAfterTaxExtraordinaryItemsInsurance_label_de" xlink:label="kvk-lr-in_NotesResultAfterTaxExtraordinaryItemsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Außerordentliches Ergebnis nach Steuern</label:label>
    <label:label id="kvk-lr-in_NotesOperatingExpensesInsurance_label_de" xlink:label="kvk-lr-in_NotesOperatingExpensesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Betriebskosten</label:label>
    <label:label id="kvk-lr-in_NotesDepositsOfReinsurersInsurance_label_de" xlink:label="kvk-lr-in_NotesDepositsOfReinsurersInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Depots von Rückversicherern</label:label>
    <label:label id="kvk-lr-in_NotesLifeInsuranceDetailedOverviewInsurance_label_de" xlink:label="kvk-lr-in_NotesLifeInsuranceDetailedOverviewInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Detaillierte Übersicht Lebensversicherung</label:label>
    <label:label id="kvk-lr-in_NotesEquityStatementOfChangesPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesEquityStatementOfChangesPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Eigenkapital, vorangegangener Berichtszeitraum: Mutationsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesEquityFinancialPositionBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesEquityFinancialPositionBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Eigenkapital: Finanzlage: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesEquityStatementOfChangesInsurance_label_de" xlink:label="kvk-lr-in_NotesEquityStatementOfChangesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Eigenkapital: Mutationsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesEquityPolicyHoldersProductGroupInsurance_label_de" xlink:label="kvk-lr-in_NotesEquityPolicyHoldersProductGroupInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Eigenkapital: Produktgruppe des Versicherungsnehmers</label:label>
    <label:label id="kvk-lr-in_NotesEquitySolvencyBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesEquitySolvencyBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Eigenkapital: Zahlungsfähigkeit: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesEquityInsurance_label_de" xlink:label="kvk-lr-in_NotesEquityInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Eigenkapital</label:label>
    <label:label id="kvk-lr-in_NotesResultFromInvestmentsBreakdownPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesResultFromInvestmentsBreakdownPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnis aus Kapitalanlagen, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesResultFromInvestmentsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesResultFromInvestmentsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnis aus Kapitalanlagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesResultTechnicalAccountLifeInsurance_label_de" xlink:label="kvk-lr-in_NotesResultTechnicalAccountLifeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnis versicherungstechnisches Konto Lebensversicherung</label:label>
    <label:label id="kvk-lr-in_NotesResultTechnicalAccountDamageInsurance_label_de" xlink:label="kvk-lr-in_NotesResultTechnicalAccountDamageInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnis versicherungstechnisches Konto Schadensversicherung</label:label>
    <label:label id="kvk-lr-in_NotesResultAnalysisSourceOfProfitSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesResultAnalysisSourceOfProfitSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnisanalyse: Gewinnquelle: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesResultAnalysisIndustrySpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesResultAnalysisIndustrySpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnisanalyse: Industriegruppe: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesResultAnalysisInsurance_label_de" xlink:label="kvk-lr-in_NotesResultAnalysisInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnisanalyse</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewDisclosureInsurance_label_de" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewDisclosureInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Erläuterung Schadensstatistik</label:label>
    <label:label id="kvk-lr-in_NotesIncomeFromInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesIncomeFromInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Erträge aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesReceivablesInsurance_label_de" xlink:label="kvk-lr-in_NotesReceivablesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen</label:label>
    <label:label id="kvk-lr-in_NotesGeographicAreaInsuranceContractsInsurance_label_de" xlink:label="kvk-lr-in_NotesGeographicAreaInsuranceContractsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Gebiet Versicherungskontrakte</label:label>
    <label:label id="kvk-lr-in_NotesProfitSharingAndDiscountsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesProfitSharingAndDiscountsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Gewinnbeteiligung und Rabatte: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesProfitSharingAndDiscountsInsurance_label_de" xlink:label="kvk-lr-in_NotesProfitSharingAndDiscountsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Gewinnbeteiligung und Rabatte</label:label>
    <label:label id="kvk-lr-in_NotesInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_de" xlink:label="kvk-lr-in_NotesInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Gewinnverteiliung, Garantien und Wahlmöglichkeiten in Versicherungsverträgen</label:label>
    <label:label id="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance_label_de" xlink:label="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Gezahlte und fällige Provisionen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Gezahlte und fällige Provisionen</label:label>
    <label:label id="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance_label_de" xlink:label="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Grundlagen der Bewertung von Aktiva und Passiva</label:label>
    <label:label id="kvk-lr-in_NotesAccountingPrinciplesResultInsurance_label_de" xlink:label="kvk-lr-in_NotesAccountingPrinciplesResultInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Grundlagen für die Ermittlung des Ergebnisses</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesIntangibleAssetsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Immaterielles Anlagevermögen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesIntangibleAssetsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Immaterielles Anlagevermögen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesIntangibleAssetsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Immaterielles Anlagevermögen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsInsurance_label_de" xlink:label="kvk-lr-in_NotesIntangibleAssetsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Immaterielles Anlagevermögen</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_de" xlink:label="kvk-lr-in_NotesInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Investmentgesellschaften Interessen an Kapitalanlagegemeinschaften Beschreibung</label:label>
    <label:label id="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kalkulatorische Erträge aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentExpensesInsurance_label_de" xlink:label="kvk-lr-in_NotesInvestmentExpensesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlagekosten</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_de" xlink:label="kvk-lr-in_NotesInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlagen auf Risiko der Policeninhaber und Sparanlagen</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesInvestmentsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlagen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesInvestmentsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesInvestmentsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesProvisionsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesReceivablesBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesReceivablesBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_label_de" xlink:label="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Nachrangige Schulden</label:label>
    <label:label id="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Nicht realisierter Gewinn aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Nicht realisierter Verluste aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Nichtversicherungstechnischem Konto zugerechneter Ertrag aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance_label_de" xlink:label="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Passive Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen für Versicherungen, bei denen die Policeninhaber das Investitionsrisiko tragen und für Sparkassen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen für Versicherungen, bei denen die Policeninhaber das Investitionsrisiko tragen und für Sparkassen</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen sonstige: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen vor auszuzahlenden Leistungen oder Schäden, Diskontsatz</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen vor auszuzahlenden Leistungen oder Schäden: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen: Ausgleichsrückstellung, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen: Ausgleichsrückstellung: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen: Lebensversicherung: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Pensionsrückstellungen</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesProvisionsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Rückstellungen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsAcquisitionCostsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesProvisionsAcquisitionCostsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Rückstellungen: Anschaffungskosten: Fortschrittsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesProvisionsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Rückstellungen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsActuarialReportBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesProvisionsActuarialReportBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Rückstellungen: Versicherungsmathematischer Bericht: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsInterestRateDiscountMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesProvisionsInterestRateDiscountMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Rückstellungen: Zinsabschlag: Fortschrittsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsInsurance_label_de" xlink:label="kvk-lr-in_NotesProvisionsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Rückstellungen</label:label>
    <label:label id="kvk-lr-in_NotesLegalStatutoryReservesBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesLegalStatutoryReservesBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Satzungsmäßige und gesetzliche Reserven: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesLegalStatutoryReservesInsurance_label_de" xlink:label="kvk-lr-in_NotesLegalStatutoryReservesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Satzungsmäßige und gesetzliche Reserven</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schadensstatistik: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_de" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schadensstatistik: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesIndemnityInsuranceComponentsInsurance_label_de" xlink:label="kvk-lr-in_NotesIndemnityInsuranceComponentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schadensversicherung Komponenten</label:label>
    <label:label id="kvk-lr-in_NotesLiabilitiesBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesLiabilitiesBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesLiabilitiesPayablesOtherSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesLiabilitiesPayablesOtherSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden: Sonstige Verbindlichkeiten: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesLiabilitiesInsurance_label_de" xlink:label="kvk-lr-in_NotesLiabilitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden</label:label>
    <label:label id="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schäden (NL: "schaden") und erhaltene Zuwendungen Beiträge aus den zentralen Kassen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashInsurance_label_de" xlink:label="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schäden (NL: "schaden") und erhaltene Zuwendungen Beiträge aus den zentralen Kassen</label:label>
    <label:label id="kvk-lr-in_NotesDamagesForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesDamagesForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schäden auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesAssetsOtherInsurance_label_de" xlink:label="kvk-lr-in_NotesAssetsOtherInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Aktiva Erläuterung</label:label>
    <label:label id="kvk-lr-in_NotesAssetsOtherOtherAssetsOtherSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesAssetsOtherOtherAssetsOtherSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Aktiva: Andere sonstige Aktiva: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesAssetsOtherBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesAssetsOtherBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Aktiva: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige versicherungstechnische Aufwendungen auf eigene Rechnung, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige versicherungstechnische Aufwendungen auf eigene Rechnung: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige versicherungstechnische Aufwendungen auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige versicherungstechnische Erträge auf eigene Rechnung: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige versicherungstechnische Erträge auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesIncomeTaxExpenseOrdinaryActivitiesInsurance_label_de" xlink:label="kvk-lr-in_NotesIncomeTaxExpenseOrdinaryActivitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Steuern Ergebnis aus gewöhnlicher Geschäftstätigkeit</label:label>
    <label:label id="kvk-lr-in_NotesEarnedPremiumsForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesEarnedPremiumsForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Verdiente Prämien eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionIndustrySpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionIndustrySpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Versicherungstechnische Rückstellungen: Industriegruppe: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Versicherungstechnische Rückstellungen: Sonstige versicherungstechnische Rückstellungen: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesChangeInEqualisationReserveInsurance_label_de" xlink:label="kvk-lr-in_NotesChangeInEqualisationReserveInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Veränderung der Ausgleichsrückstellung</label:label>
    <label:label id="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Veränderung der sonstigen Pensionsrückstellungen auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesDesignatedReserveMovementSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesDesignatedReserveMovementSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Zweckgebundene Rücklage: Verlaufsübersicht: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesDesignatedReservesSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesDesignatedReservesSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Zweckgebundene Rücklagen: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesDesignatedReservesInsurance_label_de" xlink:label="kvk-lr-in_NotesDesignatedReservesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Zweckgebundene Rücklagen</label:label>
    <label:label id="kvk-lr-in_NotesLifeInsuranceOverviewInsurance_label_de" xlink:label="kvk-lr-in_NotesLifeInsuranceOverviewInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Übersicht Lebensversicherung</label:label>
    <label:label id="kvk-lr-in_NotesIncludedCostProvisionInsurance_label_de" xlink:label="kvk-lr-in_NotesIncludedCostProvisionInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss: Sonstige Kosten: Enthaltene Kosten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsurancePreviousSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsurancePreviousSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ablaufstatistik Rückversicherung, vorangegangener Berichtszeitraum: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsuranceSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsuranceSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ablaufstatistik Rückversicherung: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossPreviousSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossPreviousSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ablaufstatistik brutto, vorangegangener Berichtszeitraum: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ablaufstatistik brutto: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilityAdequacyTestInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedLiabilityAdequacyTestInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Angemessenheitstest</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAfterTaxExtraordinaryItemsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedResultAfterTaxExtraordinaryItemsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Außerordentliches Ergebnis nach Steuern</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOperatingExpensesInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedOperatingExpensesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Betriebskosten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLifeInsuranceDetailedOverviewInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedLifeInsuranceDetailedOverviewInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Detaillierte Übersicht Lebensversicherung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnis aus Kapitalanlagen, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnis aus Kapitalanlagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultTechnicalAccountLifeInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedResultTechnicalAccountLifeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnis versicherungstechnisches Konto Lebensversicherung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultTechnicalAccountDamageInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedResultTechnicalAccountDamageInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnis versicherungstechnisches Konto Schadensversicherung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAnalysisSourceOfProfitSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedResultAnalysisSourceOfProfitSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnisanalyse: Gewinnquelle: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAnalysisIndustrySpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedResultAnalysisIndustrySpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnisanalyse: Industriegruppe: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAnalysisInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedResultAnalysisInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnisanalyse</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsDisclosureInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsDisclosureInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Erläuterung Ablaufstatistik</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedReceivablesInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedReceivablesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Gewinnbeteiligung und Rabatte: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Gewinnbeteiligung und Rabatte</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen auf Risiko der Policeninhaber und Sparanlagen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSubordinatedLiabilitiesInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedSubordinatedLiabilitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Nachrangige Schulden</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedUnrealisedProfitOnInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedUnrealisedProfitOnInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Nicht realisierter Gewinn aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedUnrealisedLossOnInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedUnrealisedLossOnInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Nicht realisierter Verluste aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen für Versicherungen, bei denen die Policeninhaber das Investitionsrisiko tragen und für Sparkassen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen für Versicherungen, bei denen die Policeninhaber das Investitionsrisiko tragen und für Sparkassen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsOtherBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsOtherBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen sonstige: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen vor auszuzahlenden Leistungen oder Schäden, Diskontsatz</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen vor auszuzahlenden Leistungen oder Schäden: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen: Ausgleichsrückstellung, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen: Ausgleichsrückstellung: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen: Lebensversicherung: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionsrückstellungen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Rückstellungen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Rückstellungen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Rückstellungen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsActuarialReportBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsActuarialReportBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Rückstellungen: Versicherungsmathematischer Bericht: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Rückstellungen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilitiesInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedLiabilitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige versicherungstechnische Aufwendungen auf eigene Rechnung, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige versicherungstechnische Aufwendungen auf eigene Rechnung: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige versicherungstechnische Aufwendungen auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige versicherungstechnische Erträge auf eigene Rechnung: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige versicherungstechnische Erträge auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionIndustrySpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionIndustrySpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Versicherungstechnische Rückstellungen: Industriegruppe: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Veränderung der sonstigen Pensionsrückstellungen auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLifeInsuranceOverviewInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedLifeInsuranceOverviewInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Übersicht Lebensversicherung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncludedCostProvisionInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIncludedCostProvisionInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss: Sonstige Kosten: Enthaltene Kosten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Aktive Rechnungsabgrenzungsposten: Aktivierte Akquisitionskosten, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Aktive Rechnungsabgrenzungsposten: Aktivierte Akquisitionskosten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Aktive Rechnungsabgrenzungsposten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccruedIncomeAccruedIncomeOtherSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeAccruedIncomeOtherSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Aktive Rechnungsabgrenzungsposten: Sonstige aktive Rechnungsabgrenzungsposten: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Aktive Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Aktivierte Akquisitionskosten Übersicht, vorangegangener Berichtszeitraum</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Aktivierte Akquisitionskosten Übersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeOtherExpensesOtherInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIncomeOtherExpensesOtherInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Andere Erträge und Aufwendungen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedShareResultsParticipatingInterestsSpecificationInsuranceTotal_label_de" xlink:label="kvk-lr-in_NotesConsolidatedShareResultsParticipatingInterestsSpecificationInsuranceTotal_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Anteil am Ergebnis von Beteiligungen: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Auszahlungen auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Beteiligungen an investmentgesellschaften an Kapitalanlagegemeinschaften</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Depots von Rückversicherern</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEquityFinancialPositionBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedEquityFinancialPositionBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Eigenkapital: Finanzlage: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Eigenkapital: Zahlungsfähigkeit: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEquityInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedEquityInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Eigenkapital</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Erläuterung Schadensstatistik</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Erträge aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedReceivablesBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedReceivablesBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Forderungen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Gebiet Versicherungskontrakte</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Gewinnbeteiligung, Garantien und Wahlmöglichkeiten in Versicherungsverträgen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Grundlagen der Bewertung von Aktiva und Passiva</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Grundlagen für die Ermittlung des Ergebnisses</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Immaterielles Anlagevermögen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Immaterielles Anlagevermögen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Immaterielles Anlagevermögen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsEconomicLifeInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsEconomicLifeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Immaterielles Anlagevermögen: Wirtschaftliche Nutzungsdauer</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsEconomicLifeInsurance_label_de" xlink:label="kvk-lr-in_NotesIntangibleAssetsEconomicLifeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Immaterielles Anlagevermögen: Wirtschaftliche Nutzungsdauer</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Immaterielles Anlagevermögen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kalkulatorische Erträge aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentExpensesInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentExpensesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlagekosten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsMovementPreviousInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsMovementPreviousInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlagen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlagen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Nichtversicherungstechnischem Konto zugerechneter Ertrag aus Kapitalanlagen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Passive Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsAcquisitionCostsMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsAcquisitionCostsMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Rückstellungen: Anschaffungskosten: Fortschrittsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsInterestRateDiscountMovementInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsInterestRateDiscountMovementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Rückstellungen: Zinsabschlag: Fortschrittsübersicht</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schadensstatistik: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schadensstatistik: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIndemnityInsuranceComponentsInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIndemnityInsuranceComponentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schadensversicherung Komponenten</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilitiesBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedLiabilitiesBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schulden: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilitiesPayablesOtherSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedLiabilitiesPayablesOtherSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schulden: Sonstige Verbindlichkeiten: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schäden (NL: "schaden") und erhaltene Zuwendungen Beiträge aus den zentralen Kassen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schäden (NL: "schaden") und erhaltene Zuwendungen Beiträge aus den zentralen Kassen</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schäden auf eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Aktiva: Andere sonstige Aktiva: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Aktiva: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAssetsOtherInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Aktiva</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Steuern Ergebnis der gewöhnlichen Geschäftstätigkeit</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Verdiente Prämien eigene Rechnung</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Versicherungstechnische Rückstellungen: Sonstige versicherungstechnische Rückstellungen: Spezifikation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance_label_de" xlink:label="kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Veränderung der Ausgleichsrückstellung</label:label>
    <label:label id="kvk-lr-in_GeographicAreaInsuranceContractsInsurance_label_de" xlink:label="kvk-lr-in_GeographicAreaInsuranceContractsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Geografisches Gebiet Versicherungskontrakte</label:label>
    <label:label id="kvk-lr-in_ClassesOfInvestmentsInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfInvestmentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Investitionskategorien</label:label>
    <label:label id="kvk-lr-in_CashFlowStatementInsurance_label_de" xlink:label="kvk-lr-in_CashFlowStatementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kapitalflussrechnung</label:label>
    <label:label id="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der Pensionsrückstellungen</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der Versicherung für nichtversicherungstechnische Rechnung</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der Versicherung für versicherungstechnische Rechnung - Lebensversicherungsgeschäft</label:label>
    <label:label id="kvk-lr-in_ClassesOfProvisionsOtherInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfProvisionsOtherInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der sonstigen Rückstellungen</label:label>
    <label:label id="kvk-lr-in_ClassesOfTechnicalAccountsInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfTechnicalAccountsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der versicherungstechnischen Konten</label:label>
    <label:label id="kvk-lr-in_ClassesOfEquityInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfEquityInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien des Eigenkapitals</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien für versicherungstechnische Rechnung - Allgemeines Versicherungsgeschäft</label:label>
    <label:label id="kvk-lr-in_ClassesOfProvisionsForInsuranceLiabilitiesInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfProvisionsForInsuranceLiabilitiesInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von Versicherungsverbindlichkeiten</label:label>
    <label:label id="kvk-lr-in_ClassesOfSettlementYearInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfSettlementYearInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von abwicklungsjahr</label:label>
    <label:label id="kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von aktivierten Akquisitionskosten</label:label>
    <label:label id="kvk-lr-in_ClassesOfIntangibleAssetsInsurance_label_de" xlink:label="kvk-lr-in_ClassesOfIntangibleAssetsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von immateriellen Vermögensgegenständen</label:label>
    <label:label id="kvk-lr-in_ClassesOfAcquisitionCosts_label_de" xlink:label="kvk-lr-in_ClassesOfAcquisitionCosts_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Klassen der Anschaffungskosten</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_label_de" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Ergebnisrechnung nicht-versicherungstechnisches Konto</label:label>
    <label:label id="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance_label_de" xlink:label="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Ergebnisrechnung nicht-versicherungstechnisches Konto</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_label_de" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Ergebnisrechnung versicherungstechnisches Konto Lebensversicherung</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_label_de" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Ergebnisrechnung versicherungstechnisches Konto Schadensversicherung</label:label>
    <label:label id="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_label_de" xlink:label="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Kapitalflussrechnung</label:label>
    <label:label id="kvk-lr-in_ConsolidatedBalanceSheetInsurance_label_de" xlink:label="kvk-lr-in_ConsolidatedBalanceSheetInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konzernbilanz</label:label>
    <label:label id="kvk-lr-in_DurationTechnicalProvisionsInsurance_label_de" xlink:label="kvk-lr-in_DurationTechnicalProvisionsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Laufzeit der Pensionsrückstellungen</label:label>
    <label:label id="kvk-lr-in_LifeInsuranceAndReinsuranceInsurance_label_de" xlink:label="kvk-lr-in_LifeInsuranceAndReinsuranceInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Lebensversicherung und Rückversicherung</label:label>
    <label:label id="kvk-lr-in_LifeInsurance_label_de" xlink:label="kvk-lr-in_LifeInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Lebensversicherung</label:label>
    <label:label id="kvk-lr-in_DamageYearSettlementStatisticsInsurance_label_de" xlink:label="kvk-lr-in_DamageYearSettlementStatisticsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Schadensjahr Ablaufstatistik</label:label>
    <label:label id="kvk-lr-in_DamageYearInsurance_label_de" xlink:label="kvk-lr-in_DamageYearInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Schadensjahr</label:label>
    <label:label id="kvk-lr-in_IndemnityInsuranceComponentsInsurance_label_de" xlink:label="kvk-lr-in_IndemnityInsuranceComponentsInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Schadensversicherung Komponenten</label:label>
    <label:label id="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance_label_de" xlink:label="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Schadenversicherung und Rückversicherung</label:label>
    <label:label id="kvk-lr-in_ReportOfTheManagementBoardInsurance_label_de" xlink:label="kvk-lr-in_ReportOfTheManagementBoardInsurance_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Vorstandsbericht</label:label>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance" xlink:label="kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_BalanceSheetInsurance" xlink:label="kvk-lr-in_BalanceSheetInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_CashFlowStatementInsurance" xlink:label="kvk-lr-in_CashFlowStatementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance" xlink:label="kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfAcquisitionCosts" xlink:label="kvk-lr-in_ClassesOfAcquisitionCosts_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfEquityInsurance" xlink:label="kvk-lr-in_ClassesOfEquityInsurance_loc" xlink:type="locator"/>
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