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    <link:label id="lab_ck0000812797_MonthlyPolicyIssueChargeMember_documentation_en-US" xlink:label="lab_ck0000812797_MonthlyPolicyIssueChargeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Monthly Policy Issue Charge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_MonthlyPolicyIssueChargeMember" xlink:href="ck0000812797-20260429.xsd#ck0000812797_MonthlyPolicyIssueChargeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_MonthlyPolicyIssueChargeMember" xlink:to="lab_ck0000812797_MonthlyPolicyIssueChargeMember" xlink:type="arc" order="1"/>
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    <link:label id="lab_ck0000812797_ChangeOfInsuredMember_documentation_en-US" xlink:label="lab_ck0000812797_ChangeOfInsuredMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Change of Insured</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_ChangeOfInsuredMember" xlink:href="ck0000812797-20260429.xsd#ck0000812797_ChangeOfInsuredMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_ChangeOfInsuredMember" xlink:to="lab_ck0000812797_ChangeOfInsuredMember" xlink:type="arc" order="1"/>
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    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000020923Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000020923Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000020923Member" xlink:to="lab_ck0000812797_C000020923Member" xlink:type="arc" order="1"/>
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    <link:label id="lab_ck0000812797_DeathBenefitGuaranteeMember_documentation_en-US" xlink:label="lab_ck0000812797_DeathBenefitGuaranteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Death Benefit Guarantee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_DeathBenefitGuaranteeMember" xlink:href="ck0000812797-20260429.xsd#ck0000812797_DeathBenefitGuaranteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_DeathBenefitGuaranteeMember" xlink:to="lab_ck0000812797_DeathBenefitGuaranteeMember" xlink:type="arc" order="1"/>
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    <link:label id="lab_ck0000812797_C000023923Member_documentation_en-US" xlink:label="lab_ck0000812797_C000023923Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000023923</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000023923Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000023923Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000023923Member" xlink:to="lab_ck0000812797_C000023923Member" xlink:type="arc" order="1"/>
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    <link:label id="lab_ck0000812797_C000097932Member_documentation_en-US" xlink:label="lab_ck0000812797_C000097932Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000097932</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000097932Member" xlink:to="lab_ck0000812797_C000097932Member" xlink:type="arc" order="1"/>
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    <link:label id="lab_ck0000812797_C000025043Member_documentation_en-US" xlink:label="lab_ck0000812797_C000025043Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000025043</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000025043Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000025043Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000025043Member" xlink:to="lab_ck0000812797_C000025043Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000022328Member_label_en-US" xlink:label="lab_ck0000812797_C000022328Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000022328 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000022328Member_documentation_en-US" xlink:label="lab_ck0000812797_C000022328Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000022328</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000022328Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000022328Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000022328Member" xlink:to="lab_ck0000812797_C000022328Member" xlink:type="arc" order="1"/>
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    <link:label id="lab_ck0000812797_C000023917Member_documentation_en-US" xlink:label="lab_ck0000812797_C000023917Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000023917</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000023917Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000023917Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000023917Member" xlink:to="lab_ck0000812797_C000023917Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000028836Member_label_en-US" xlink:label="lab_ck0000812797_C000028836Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000028836 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000028836Member_documentation_en-US" xlink:label="lab_ck0000812797_C000028836Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000028836</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000028836Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000028836Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000028836Member" xlink:to="lab_ck0000812797_C000028836Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000084678Member_label_en-US" xlink:label="lab_ck0000812797_C000084678Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000084678 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000084678Member_documentation_en-US" xlink:label="lab_ck0000812797_C000084678Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000084678</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000084678Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000084678Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000084678Member" xlink:to="lab_ck0000812797_C000084678Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000020970Member_label_en-US" xlink:label="lab_ck0000812797_C000020970Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000020970 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000020970Member_documentation_en-US" xlink:label="lab_ck0000812797_C000020970Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000020970</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000020970Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000020970Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000020970Member" xlink:to="lab_ck0000812797_C000020970Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_CurrentIfPolicyIsIssuedWithTheGuidelinePremiumcashValueCorridorTestMember_label_en-US" xlink:label="lab_ck0000812797_CurrentIfPolicyIsIssuedWithTheGuidelinePremiumcashValueCorridorTestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current (if Policy is issued with the guideline premium/cash value corridor test) [Member]</link:label>
    <link:label id="lab_ck0000812797_CurrentIfPolicyIsIssuedWithTheGuidelinePremiumcashValueCorridorTestMember_documentation_en-US" xlink:label="lab_ck0000812797_CurrentIfPolicyIsIssuedWithTheGuidelinePremiumcashValueCorridorTestMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Current (if Policy is issued with the guideline premium/cash value corridor test)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_CurrentIfPolicyIsIssuedWithTheGuidelinePremiumcashValueCorridorTestMember" xlink:href="ck0000812797-20260429.xsd#ck0000812797_CurrentIfPolicyIsIssuedWithTheGuidelinePremiumcashValueCorridorTestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_CurrentIfPolicyIsIssuedWithTheGuidelinePremiumcashValueCorridorTestMember" xlink:to="lab_ck0000812797_CurrentIfPolicyIsIssuedWithTheGuidelinePremiumcashValueCorridorTestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000020930Member_label_en-US" xlink:label="lab_ck0000812797_C000020930Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000020930 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000020930Member_documentation_en-US" xlink:label="lab_ck0000812797_C000020930Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000020930</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000020930Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000020930Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000020930Member" xlink:to="lab_ck0000812797_C000020930Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000199918Member_label_en-US" xlink:label="lab_ck0000812797_C000199918Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000199918 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000199918Member_documentation_en-US" xlink:label="lab_ck0000812797_C000199918Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000199918</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000199918Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000199918Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000199918Member" xlink:to="lab_ck0000812797_C000199918Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000038541Member_label_en-US" xlink:label="lab_ck0000812797_C000038541Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000038541 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000038541Member_documentation_en-US" xlink:label="lab_ck0000812797_C000038541Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000038541</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000038541Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000038541Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000038541Member" xlink:to="lab_ck0000812797_C000038541Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000199922Member_label_en-US" xlink:label="lab_ck0000812797_C000199922Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000199922 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000199922Member_documentation_en-US" xlink:label="lab_ck0000812797_C000199922Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000199922</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000199922Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000199922Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000199922Member" xlink:to="lab_ck0000812797_C000199922Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000048775Member_label_en-US" xlink:label="lab_ck0000812797_C000048775Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000048775 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000048775Member_documentation_en-US" xlink:label="lab_ck0000812797_C000048775Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000048775</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000048775Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000048775Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000048775Member" xlink:to="lab_ck0000812797_C000048775Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_LimitationsOnAccessToSurrenderValueRiskMember_label_en-US" xlink:label="lab_ck0000812797_LimitationsOnAccessToSurrenderValueRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Limitations On Access To Surrender Value Risk [Member]</link:label>
    <link:label id="lab_ck0000812797_LimitationsOnAccessToSurrenderValueRiskMember_documentation_en-US" xlink:label="lab_ck0000812797_LimitationsOnAccessToSurrenderValueRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Limitations On Access To Surrender Value Risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_LimitationsOnAccessToSurrenderValueRiskMember" xlink:href="ck0000812797-20260429.xsd#ck0000812797_LimitationsOnAccessToSurrenderValueRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_LimitationsOnAccessToSurrenderValueRiskMember" xlink:to="lab_ck0000812797_LimitationsOnAccessToSurrenderValueRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_RisksAffectingOurAdministrationOfYourPolicyMember_label_en-US" xlink:label="lab_ck0000812797_RisksAffectingOurAdministrationOfYourPolicyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risks Affecting Our Administration of Your Policy [Member]</link:label>
    <link:label id="lab_ck0000812797_RisksAffectingOurAdministrationOfYourPolicyMember_documentation_en-US" xlink:label="lab_ck0000812797_RisksAffectingOurAdministrationOfYourPolicyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Risks Affecting Our Administration of Your Policy</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_RisksAffectingOurAdministrationOfYourPolicyMember" xlink:href="ck0000812797-20260429.xsd#ck0000812797_RisksAffectingOurAdministrationOfYourPolicyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_RisksAffectingOurAdministrationOfYourPolicyMember" xlink:to="lab_ck0000812797_RisksAffectingOurAdministrationOfYourPolicyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_NetPolicyLoanChargeMember_label_en-US" xlink:label="lab_ck0000812797_NetPolicyLoanChargeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Policy Loan Charge( [Member]</link:label>
    <link:label id="lab_ck0000812797_NetPolicyLoanChargeMember_documentation_en-US" xlink:label="lab_ck0000812797_NetPolicyLoanChargeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Policy Loan Charge(</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_NetPolicyLoanChargeMember" xlink:href="ck0000812797-20260429.xsd#ck0000812797_NetPolicyLoanChargeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_NetPolicyLoanChargeMember" xlink:to="lab_ck0000812797_NetPolicyLoanChargeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_C000007330Member_label_en-US" xlink:label="lab_ck0000812797_C000007330Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000007330 [Member]</link:label>
    <link:label id="lab_ck0000812797_C000007330Member_documentation_en-US" xlink:label="lab_ck0000812797_C000007330Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000007330</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_C000007330Member" xlink:href="ck0000812797-20260429.xsd#ck0000812797_C000007330Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_C000007330Member" xlink:to="lab_ck0000812797_C000007330Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_InsuranceCompanyRisksMember_label_en-US" xlink:label="lab_ck0000812797_InsuranceCompanyRisksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Company Risks [Member]</link:label>
    <link:label id="lab_ck0000812797_InsuranceCompanyRisksMember_documentation_en-US" xlink:label="lab_ck0000812797_InsuranceCompanyRisksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance Company Risks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000812797_InsuranceCompanyRisksMember" xlink:href="ck0000812797-20260429.xsd#ck0000812797_InsuranceCompanyRisksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000812797_InsuranceCompanyRisksMember" xlink:to="lab_ck0000812797_InsuranceCompanyRisksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000812797_SurrenderValueEnhancementRiderMember_label_en-US" xlink:label="lab_ck0000812797_SurrenderValueEnhancementRiderMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Surrender Value Enhancement Rider [Member]</link:label>
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