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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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    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_label_de" xlink:type="arc"/>
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    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Andere Verbindlichkeiten Prämienrenteneinrichtungen: Aufschlüsselung</label:label>
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    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Andere Verbindlichkeiten: Sonstige Schulden: Spezifikation</label:label>
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    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen und aktive Rechnungsabgrenzungsposten: Kurzfristig Sonstige Forderungen: Spezifikation</label:label>
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    <label:label id="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_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-p-p-i_NotesInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlageergebnisse Kategorien: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalanlageergebnisse Prämienrenteneinrichtungen</label:label>
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    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Forderungen und aktiven Rechnungsabgrenzungsposten: Aufschlüsselung</label:label>
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    <label:label id="kvk-lr-p-p-i_NotesOtherReimbursementsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesOtherReimbursementsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Kostenerstattungen Prämienrenteneinrichtungen</label:label>
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    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen auf Risiko Teilnehmer, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen auf Risiko Teilnehmer: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen auf Risiko Teilnehmer: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen auf Risiko Teilnehmer: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen auf Risiko Teilnehmer: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen auf Risiko Teilnehmer</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Kapitalanlagen auf Risiko Teilnehmer</label:label>
    <label:label id="kvk-lr-p-p-i_NotesPensionAdminstrationExpensesPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesPensionAdminstrationExpensesPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionszahlungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Pensionzahlungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Prämienzahlungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesPremiumContributionsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesPremiumContributionsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Prämienzahlungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige Kostenerstattungen Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige Vermögensgegenstände Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Verpflichtungen für Risikoteilnehmer, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Verpflichtungen für Risikoteilnehmer: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Verpflichtungen für Risikoteilnehmer</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Andere Verbindlichkeiten: Sonstige Schulden: Spezifikation</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_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-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Exspirationskapital Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Forderungen und aktive Rechnungsabgrenzungsposten: Kurzfristig Sonstige Forderungen: Spezifikation</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Forderungen: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Grundlagen für die Bewertung von Aktiva und Passiva</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Grundlagen für die Bewertung von Aktiva und Passiva</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_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-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlageergebnisse Kategorien: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlageergebnisse Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlageergebnisse: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlageergebnisse</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kostenerstattung von Investitionstätigkeiten Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Mutation Rückstellung Pensionsverpflichtungen auf Risiko der Teilnehmer</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Aktiva: Sonstige Aktiva: Spezifikation</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Aufwendungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Erträge</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Forderungen und aktiven Rechnungsabgrenzungsposten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Forderungen und aktiven Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Transferbetrag übertragene Pensionsverpflichtungen Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Zurückbehaltene Verwaltungsgebühren und andere Gebühren Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Überweisungssumme der übernommenen Pensionsverpflichtungen Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Gewinn- und Verlustrechnung Teilnehmer</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der Verpflichtungen für Risikoteilnehmer</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von Kapitalanlagen</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von Kapitalanlagen</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Gewinn- und Verlustrechnung Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Gewinn- und Verlustrechnung Prämienrenteneinrichtungen</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Gewinn- und Verlustrechnung Teilnehmer</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_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-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_label_de" xlink:label="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_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-premium-pension-institutions.xsd#kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_loc" xlink:type="locator"/>
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