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    <link:label id="lab_kcli_RedeemablePreferredStockDebtMaturitiesFairValue_ABF711DCF89F60BC9F824B4486A3D8B4_terseLabel_en-US" xlink:label="lab_kcli_RedeemablePreferredStockDebtMaturitiesFairValue_ABF711DCF89F60BC9F824B4486A3D8B4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redeemable preferred stocks, Fair Value</link:label>
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    <link:label id="lab_kcli_RedeemablePreferredStockDebtMaturitiesFairValue_ABF711DCF89F60BC9F824B4486A3D8B4_documentation_en-US" xlink:label="lab_kcli_RedeemablePreferredStockDebtMaturitiesFairValue_ABF711DCF89F60BC9F824B4486A3D8B4" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Redeemable preferred stock debt maturities fair value.</link:label>
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    <link:label id="lab_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_A75937CC9EB2DCD3AEC923533051838C_totalLabel_en-US" xlink:label="lab_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_A75937CC9EB2DCD3AEC923533051838C" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Carrying value</link:label>
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    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_09AB86995876B4E6B5ADAD0F78C92100_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_09AB86995876B4E6B5ADAD0F78C92100" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unsecured revolving line of credit</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_09AB86995876B4E6B5ADAD0F78C92100_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_09AB86995876B4E6B5ADAD0F78C92100" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_09AB86995876B4E6B5ADAD0F78C92100" xlink:type="locator" />
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    <link:label id="lab_kcli_NumberOfMajorCommercialBanks_9EEA0E6FC6BB6C0A523EAD0F78C9341B_terseLabel_en-US" xlink:label="lab_kcli_NumberOfMajorCommercialBanks_9EEA0E6FC6BB6C0A523EAD0F78C9341B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of major commercial banks</link:label>
    <link:label id="lab_kcli_NumberOfMajorCommercialBanks_9EEA0E6FC6BB6C0A523EAD0F78C9341B_label_en-US" xlink:label="lab_kcli_NumberOfMajorCommercialBanks_9EEA0E6FC6BB6C0A523EAD0F78C9341B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Major Commercial Banks</link:label>
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    <link:label id="lab_kcli_IndustrialMember_726FA6477E314DE206874B44849AE7D8_documentation_en-US" xlink:label="lab_kcli_IndustrialMember_726FA6477E314DE206874B44849AE7D8" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Industrial.</link:label>
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    <link:label id="lab_kcli_OfficeMember_DEF95C43C17F1554CBA84B44849A901C_documentation_en-US" xlink:label="lab_kcli_OfficeMember_DEF95C43C17F1554CBA84B44849A901C" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Office [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_OfficeMember" xlink:label="loc_kcli_OfficeMember_DEF95C43C17F1554CBA84B44849A901C" xlink:type="locator" />
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    <link:label id="lab_kcli_MedicalMember_0FA454B65D48F42CB94A4B44849AAD4E_terseLabel_en-US" xlink:label="lab_kcli_MedicalMember_0FA454B65D48F42CB94A4B44849AAD4E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Medical</link:label>
    <link:label id="lab_kcli_MedicalMember_0FA454B65D48F42CB94A4B44849AAD4E_label_en-US" xlink:label="lab_kcli_MedicalMember_0FA454B65D48F42CB94A4B44849AAD4E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Medical [Member]</link:label>
    <link:label id="lab_kcli_MedicalMember_0FA454B65D48F42CB94A4B44849AAD4E_documentation_en-US" xlink:label="lab_kcli_MedicalMember_0FA454B65D48F42CB94A4B44849AAD4E" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Medical</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MedicalMember" xlink:label="loc_kcli_MedicalMember_0FA454B65D48F42CB94A4B44849AAD4E" xlink:type="locator" />
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    <link:label id="lab_kcli_OtherFinancingReceivableMember_06682E757F593D8392094B44849B7E53_terseLabel_en-US" xlink:label="lab_kcli_OtherFinancingReceivableMember_06682E757F593D8392094B44849B7E53" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
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    <link:label id="lab_kcli_OtherFinancingReceivableMember_06682E757F593D8392094B44849B7E53_documentation_en-US" xlink:label="lab_kcli_OtherFinancingReceivableMember_06682E757F593D8392094B44849B7E53" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to other financing receivables</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_OtherFinancingReceivableMember" xlink:label="loc_kcli_OtherFinancingReceivableMember_06682E757F593D8392094B44849B7E53" xlink:type="locator" />
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    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_1FAE169B922AACC0ECB74B44849B4738_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_1FAE169B922AACC0ECB74B44849B4738" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Recorded Investment, Past Due [Line Items]</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_1FAE169B922AACC0ECB74B44849B4738" xlink:type="locator" />
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    <link:label id="lab_kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_076AC323909A2A85F3D54B44849B2DF4_terseLabel_en-US" xlink:label="lab_kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_076AC323909A2A85F3D54B44849B2DF4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Book Value</link:label>
    <link:label id="lab_kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_076AC323909A2A85F3D54B44849B2DF4_label_en-US" xlink:label="lab_kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_076AC323909A2A85F3D54B44849B2DF4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans On Real Estate With Delinquent Payments Book Value By Property Type</link:label>
    <link:label id="lab_kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_076AC323909A2A85F3D54B44849B2DF4_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_076AC323909A2A85F3D54B44849B2DF4" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The book value of mortgage loans with delinquent payments by property type.</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_1CB854E195589250D9054B44849BD86C_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_1CB854E195589250D9054B44849BD86C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of Payments Past Due 30-59 Days</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_1CB854E195589250D9054B44849BD86C" xlink:type="locator" />
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    <link:label id="lab_kcli_ProceedsFromSaleOfRealEstateHeldForInvestmentBeforeAdjustments_E1AA2EC1E9508463677C42048D606CA6_terseLabel_en-US" xlink:label="lab_kcli_ProceedsFromSaleOfRealEstateHeldForInvestmentBeforeAdjustments_E1AA2EC1E9508463677C42048D606CA6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real estate</link:label>
    <link:label id="lab_kcli_ProceedsFromSaleOfRealEstateHeldForInvestmentBeforeAdjustments_E1AA2EC1E9508463677C42048D606CA6_label_en-US" xlink:label="lab_kcli_ProceedsFromSaleOfRealEstateHeldForInvestmentBeforeAdjustments_E1AA2EC1E9508463677C42048D606CA6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Real Estate Held-for-investment, Before Adjustments</link:label>
    <link:label id="lab_kcli_ProceedsFromSaleOfRealEstateHeldForInvestmentBeforeAdjustments_E1AA2EC1E9508463677C42048D606CA6_documentation_en-US" xlink:label="lab_kcli_ProceedsFromSaleOfRealEstateHeldForInvestmentBeforeAdjustments_E1AA2EC1E9508463677C42048D606CA6" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash received from the sale of real estate that is held for investment, that is, held for investments that is before adjustments. It is part of an investing activity during the period.</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromCollectionOfPolicyLoans_E3102BF3865A8BFF0B4342048D607228_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfPolicyLoans_E3102BF3865A8BFF0B4342048D607228" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Policy loans</link:label>
    <link:label id="lab_us-gaap_ProceedsFromCollectionOfPolicyLoans_E3102BF3865A8BFF0B4342048D607228_label_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfPolicyLoans_E3102BF3865A8BFF0B4342048D607228" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Collection of Policy Loans</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromCollectionOfPolicyLoans" xlink:label="loc_us-gaap_ProceedsFromCollectionOfPolicyLoans_E3102BF3865A8BFF0B4342048D607228" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PaymentsForProceedsFromShortTermInvestments_AFAF7E6739842D00F17A42048D6041BF_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromShortTermInvestments_AFAF7E6739842D00F17A42048D6041BF" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net sales (purchases) of short-term investments</link:label>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromShortTermInvestments_AFAF7E6739842D00F17A42048D6041BF_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromShortTermInvestments_AFAF7E6739842D00F17A42048D6041BF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for (Proceeds from) Short-term Investments</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForProceedsFromShortTermInvestments" xlink:label="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_AFAF7E6739842D00F17A42048D6041BF" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PaymentsForProceedsFromProductiveAssets_B166654209ECB6D3E98E42048D60802B_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromProductiveAssets_B166654209ECB6D3E98E42048D60802B" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net acquisition of property and equipment</link:label>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromProductiveAssets_B166654209ECB6D3E98E42048D60802B_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromProductiveAssets_B166654209ECB6D3E98E42048D60802B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for (Proceeds from) Productive Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForProceedsFromProductiveAssets" xlink:label="loc_us-gaap_PaymentsForProceedsFromProductiveAssets_B166654209ECB6D3E98E42048D60802B" xlink:type="locator" />
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_D932BB790D1D349B2F3942048D606D5A_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_D932BB790D1D349B2F3942048D606D5A" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided (used)</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_D932BB790D1D349B2F3942048D606D5A_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_D932BB790D1D349B2F3942048D606D5A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_D932BB790D1D349B2F3942048D606D5A" xlink:type="locator" />
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_F27A1FA3A16BAF9E920D42048D609BDD_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_F27A1FA3A16BAF9E920D42048D609BDD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCING ACTIVITIES</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_F27A1FA3A16BAF9E920D42048D609BDD_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_F27A1FA3A16BAF9E920D42048D609BDD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_F27A1FA3A16BAF9E920D42048D609BDD" xlink:type="locator" />
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    <link:label id="lab_kcli_ProceedsFromPolicyholderAccountBalances_A42D4542CAD0A61BF09842048D605ECE_terseLabel_en-US" xlink:label="lab_kcli_ProceedsFromPolicyholderAccountBalances_A42D4542CAD0A61BF09842048D605ECE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits on policyholder account balances</link:label>
    <link:label id="lab_kcli_ProceedsFromPolicyholderAccountBalances_A42D4542CAD0A61BF09842048D605ECE_label_en-US" xlink:label="lab_kcli_ProceedsFromPolicyholderAccountBalances_A42D4542CAD0A61BF09842048D605ECE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds From Policyholder Account Balances</link:label>
    <link:label id="lab_kcli_ProceedsFromPolicyholderAccountBalances_A42D4542CAD0A61BF09842048D605ECE_documentation_en-US" xlink:label="lab_kcli_ProceedsFromPolicyholderAccountBalances_A42D4542CAD0A61BF09842048D605ECE" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash inflow from liabilities as of the balance sheet date for universal life insurance, fixed deferred annuity contracts and investment-type contracts.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_ProceedsFromPolicyholderAccountBalances" xlink:label="loc_kcli_ProceedsFromPolicyholderAccountBalances_A42D4542CAD0A61BF09842048D605ECE" xlink:type="locator" />
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    <link:label id="lab_kcli_WithdrawalsFromPolicyholderAccountBalances_7E54FF75D7338EC3816D42048D60E397_negatedLabel_en-US" xlink:label="lab_kcli_WithdrawalsFromPolicyholderAccountBalances_7E54FF75D7338EC3816D42048D60E397" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Withdrawals from policyholder account balances</link:label>
    <link:label id="lab_kcli_WithdrawalsFromPolicyholderAccountBalances_7E54FF75D7338EC3816D42048D60E397_label_en-US" xlink:label="lab_kcli_WithdrawalsFromPolicyholderAccountBalances_7E54FF75D7338EC3816D42048D60E397" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Withdrawals From Policyholder Account Balances</link:label>
    <link:label id="lab_kcli_WithdrawalsFromPolicyholderAccountBalances_7E54FF75D7338EC3816D42048D60E397_documentation_en-US" xlink:label="lab_kcli_WithdrawalsFromPolicyholderAccountBalances_7E54FF75D7338EC3816D42048D60E397" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The voluntary or involuntary cash outflows related to the liabilities as of the balance sheet date for universal life insurance, fixed deferred annuity contracts and investment-type contracts.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_WithdrawalsFromPolicyholderAccountBalances" xlink:label="loc_kcli_WithdrawalsFromPolicyholderAccountBalances_7E54FF75D7338EC3816D42048D60E397" xlink:type="locator" />
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    <link:label id="lab_us-gaap_NetChangeContractHoldersFunds_8BC9300C35126E3267A542048D60263D_terseLabel_en-US" xlink:label="lab_us-gaap_NetChangeContractHoldersFunds_8BC9300C35126E3267A542048D60263D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net transfers from separate accounts</link:label>
    <link:label id="lab_us-gaap_NetChangeContractHoldersFunds_8BC9300C35126E3267A542048D60263D_label_en-US" xlink:label="lab_us-gaap_NetChangeContractHoldersFunds_8BC9300C35126E3267A542048D60263D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Change Contract Holders Funds</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetChangeContractHoldersFunds" xlink:label="loc_us-gaap_NetChangeContractHoldersFunds_8BC9300C35126E3267A542048D60263D" xlink:type="locator" />
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    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherDeposits_4E5A90D6756617AE025742048D60DD35_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherDeposits_4E5A90D6756617AE025742048D60DD35" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in other deposits</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherDeposits_4E5A90D6756617AE025742048D60DD35_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherDeposits_4E5A90D6756617AE025742048D60DD35" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Deposits</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherDeposits" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherDeposits_4E5A90D6756617AE025742048D60DD35" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_4A7C4FD9D75D39A4287342048D600E76_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock_4A7C4FD9D75D39A4287342048D600E76" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Cash dividends to stockholders</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_4A7C4FD9D75D39A4287342048D600E76_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock_4A7C4FD9D75D39A4287342048D600E76" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Ordinary Dividends, Common Stock</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_4A7C4FD9D75D39A4287342048D600E76" xlink:type="locator" />
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    <link:label id="lab_us-gaap_ProceedsFromRepurchaseOfEquity_DF91E861CAA4E3C81FAC42048D607884_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromRepurchaseOfEquity_DF91E861CAA4E3C81FAC42048D607884" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net change in treasury stock</link:label>
    <link:label id="lab_us-gaap_ProceedsFromRepurchaseOfEquity_DF91E861CAA4E3C81FAC42048D607884_label_en-US" xlink:label="lab_us-gaap_ProceedsFromRepurchaseOfEquity_DF91E861CAA4E3C81FAC42048D607884" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from (Repurchase of) Equity</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromRepurchaseOfEquity" xlink:label="loc_us-gaap_ProceedsFromRepurchaseOfEquity_DF91E861CAA4E3C81FAC42048D607884" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromRepurchaseOfEquity_DF91E861CAA4E3C81FAC42048D607884" xlink:to="lab_us-gaap_ProceedsFromRepurchaseOfEquity_DF91E861CAA4E3C81FAC42048D607884" xlink:type="arc" />
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_3FFA7B858B60C84996CA42048D612907_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_3FFA7B858B60C84996CA42048D612907" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided (used)</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_3FFA7B858B60C84996CA42048D612907_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_3FFA7B858B60C84996CA42048D612907" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_3FFA7B858B60C84996CA42048D612907" xlink:type="locator" />
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    <link:label id="lab_us-gaap_IncomeTaxesPaid_6D6E82E6D85E99FD9C8D42048D61FE87_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaid_6D6E82E6D85E99FD9C8D42048D61FE87" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxesPaid_6D6E82E6D85E99FD9C8D42048D61FE87_label_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaid_6D6E82E6D85E99FD9C8D42048D61FE87" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Taxes Paid</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivablesTextBlock_22786803F462BD65C8A44B448447EA13_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock_22786803F462BD65C8A44B448447EA13" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables [Text Block]</link:label>
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    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_16D990589574EADA732F4B44849DD718_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock_16D990589574EADA732F4B44849DD718" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Information</link:label>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_16D990589574EADA732F4B44849DD718_label_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock_16D990589574EADA732F4B44849DD718" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting Disclosure [Text Block]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock_16D990589574EADA732F4B44849DD718" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingDisclosureTextBlock_16D990589574EADA732F4B44849DD718" xlink:to="lab_us-gaap_SegmentReportingDisclosureTextBlock_16D990589574EADA732F4B44849DD718" xlink:type="arc" />
    <link:label id="lab_us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_41306A2B8765ECEDC45A38D1A32E3CBD_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_41306A2B8765ECEDC45A38D1A32E3CBD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate, Type of Property [Axis]</link:label>
    <link:label id="lab_us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_41306A2B8765ECEDC45A38D1A32E3CBD_label_en-US" xlink:label="lab_us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_41306A2B8765ECEDC45A38D1A32E3CBD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate, Type of Property [Axis]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_41306A2B8765ECEDC45A38D1A32E3CBD" xlink:type="locator" />
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    <link:label id="lab_us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_01F10D858E69442C0A3738D1A32F724B_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_01F10D858E69442C0A3738D1A32F724B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate, Property Type [Domain]</link:label>
    <link:label id="lab_us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_01F10D858E69442C0A3738D1A32F724B_label_en-US" xlink:label="lab_us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_01F10D858E69442C0A3738D1A32F724B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate, Property Type [Domain]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_01F10D858E69442C0A3738D1A32F724B" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_01F10D858E69442C0A3738D1A32F724B" xlink:to="lab_us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_01F10D858E69442C0A3738D1A32F724B" xlink:type="arc" />
    <link:label id="lab_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA_terseLabel_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prior to 2004</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA_label_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year One [Member]</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year One [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MortgageLoansOriginatedYearOneMember" xlink:label="loc_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA" xlink:to="lab_kcli_MortgageLoansOriginatedYearOneMember_B65E9C5944FE6651EE4A38D1A32F17EA" xlink:type="arc" />
    <link:label id="lab_kcli_MortgageLoansOriginatedYearTwoMember_7C1EDA788D2FB7250D8F38D1A32FB254_terseLabel_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearTwoMember_7C1EDA788D2FB7250D8F38D1A32FB254" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2004</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearTwoMember_7C1EDA788D2FB7250D8F38D1A32FB254_label_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearTwoMember_7C1EDA788D2FB7250D8F38D1A32FB254" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Two [Member]</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearTwoMember_7C1EDA788D2FB7250D8F38D1A32FB254_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearTwoMember_7C1EDA788D2FB7250D8F38D1A32FB254" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Two [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MortgageLoansOriginatedYearTwoMember" xlink:label="loc_kcli_MortgageLoansOriginatedYearTwoMember_7C1EDA788D2FB7250D8F38D1A32FB254" xlink:type="locator" />
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearThreeMember_8EF216619C49D3C91EEF38D1A32F3861_terseLabel_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearThreeMember_8EF216619C49D3C91EEF38D1A32F3861" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2005</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearThreeMember_8EF216619C49D3C91EEF38D1A32F3861_label_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearThreeMember_8EF216619C49D3C91EEF38D1A32F3861" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Three [Member]</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearThreeMember_8EF216619C49D3C91EEF38D1A32F3861_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearThreeMember_8EF216619C49D3C91EEF38D1A32F3861" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Three [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MortgageLoansOriginatedYearThreeMember" xlink:label="loc_kcli_MortgageLoansOriginatedYearThreeMember_8EF216619C49D3C91EEF38D1A32F3861" xlink:type="locator" />
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearFourMember_50830ED25C149DBE330438D1A32F543D_terseLabel_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearFourMember_50830ED25C149DBE330438D1A32F543D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2006</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearFourMember_50830ED25C149DBE330438D1A32F543D_label_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearFourMember_50830ED25C149DBE330438D1A32F543D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Four [Member]</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearFourMember_50830ED25C149DBE330438D1A32F543D_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearFourMember_50830ED25C149DBE330438D1A32F543D" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Four [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MortgageLoansOriginatedYearFourMember" xlink:label="loc_kcli_MortgageLoansOriginatedYearFourMember_50830ED25C149DBE330438D1A32F543D" xlink:type="locator" />
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearFiveMember_A66EC921855658829D5738D1A32FB1D8_terseLabel_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearFiveMember_A66EC921855658829D5738D1A32FB1D8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2007</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearFiveMember_A66EC921855658829D5738D1A32FB1D8_label_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearFiveMember_A66EC921855658829D5738D1A32FB1D8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Five [Member]</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearFiveMember_A66EC921855658829D5738D1A32FB1D8_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearFiveMember_A66EC921855658829D5738D1A32FB1D8" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Five [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MortgageLoansOriginatedYearFiveMember" xlink:label="loc_kcli_MortgageLoansOriginatedYearFiveMember_A66EC921855658829D5738D1A32FB1D8" xlink:type="locator" />
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearSixMember_FE61252947F9268A1CB538D1A32F5C28_terseLabel_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearSixMember_FE61252947F9268A1CB538D1A32F5C28" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2008</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearSixMember_FE61252947F9268A1CB538D1A32F5C28_label_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearSixMember_FE61252947F9268A1CB538D1A32F5C28" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Six [Member]</link:label>
    <link:label id="lab_kcli_MortgageLoansOriginatedYearSixMember_FE61252947F9268A1CB538D1A32F5C28_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearSixMember_FE61252947F9268A1CB538D1A32F5C28" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Six [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MortgageLoansOriginatedYearSixMember" xlink:label="loc_kcli_MortgageLoansOriginatedYearSixMember_FE61252947F9268A1CB538D1A32F5C28" xlink:type="locator" />
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearSevenMember_3311FED169A58BEA39D038D1A32F9B61_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearSevenMember_3311FED169A58BEA39D038D1A32F9B61" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Seven [Member]</link:label>
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearEightMember_53A437246F755EDC99F638D1A32F668B_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearEightMember_53A437246F755EDC99F638D1A32F668B" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Eight [Member]</link:label>
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearNineMember_7E87E4905911468EDD6F38D1A32FFACA_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearNineMember_7E87E4905911468EDD6F38D1A32FFACA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Nine [Member]</link:label>
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearTenMember_308F97C8CAAF373980B938D1A32F60B1_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearTenMember_308F97C8CAAF373980B938D1A32F60B1" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Originated Year Ten [Member]</link:label>
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    <link:label id="lab_kcli_MortgageLoansOriginatedYearElevenMember_140784B32A6BE33A10AD38D1A32F2E73_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOriginatedYearElevenMember_140784B32A6BE33A10AD38D1A32F2E73" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage loans originated year eleven.</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_73D4A81DE955A248D4864B4486B3A911" xlink:type="locator" />
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    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_A5379B49FCF70C6DD1424B4486B3E2C2_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_A5379B49FCF70C6DD1424B4486B3E2C2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers into Level 3</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_A5379B49FCF70C6DD1424B4486B3E2C2_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_A5379B49FCF70C6DD1424B4486B3E2C2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_A5379B49FCF70C6DD1424B4486B3E2C2" xlink:type="locator" />
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    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_33EE4E7A8FFE7DE0E58D4B4486B36289_negatedLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_33EE4E7A8FFE7DE0E58D4B4486B36289" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_33EE4E7A8FFE7DE0E58D4B4486B36289_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_33EE4E7A8FFE7DE0E58D4B4486B36289" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_33EE4E7A8FFE7DE0E58D4B4486B36289" xlink:type="locator" />
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss_4736980E9BD9741AB80D4B4486B4E4CF_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss_4736980E9BD9741AB80D4B4486B4E4CF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized gains</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss_4736980E9BD9741AB80D4B4486B4E4CF_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss_4736980E9BD9741AB80D4B4486B4E4CF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities, Change in Net Unrealized Holding Gain (Loss) before Taxes</link:label>
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    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_C13BB609C8CCB86220F44B4486B43B48_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_C13BB609C8CCB86220F44B4486B43B48" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
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    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_SeparateAccountAssetsCarryingValue_3BA9129F6361014B70ECAD6A4886C0BC" xlink:to="lab_kcli_SeparateAccountAssetsCarryingValue_3BA9129F6361014B70ECAD6A4886C0BC" xlink:type="arc" />
    <link:label id="lab_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C_terseLabel_en-US" xlink:label="lab_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual and group annuities, carrying value</link:label>
    <link:label id="lab_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C_label_en-US" xlink:label="lab_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Carrying Value Policy Holder Account Balances Fixed Deferred Annuities</link:label>
    <link:label id="lab_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C_documentation_en-US" xlink:label="lab_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The accrued obligation for policyholder account balances that relates to fixed deferred annuities.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities" xlink:label="loc_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C" xlink:to="lab_kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_4083946CBB6E92618D2CAD6A4886A51C" xlink:type="arc" />
    <link:label id="lab_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2_terseLabel_en-US" xlink:label="lab_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Supplementary contracts without life contingencies, carrying value</link:label>
    <link:label id="lab_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2_label_en-US" xlink:label="lab_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Carrying Value Policyholder Account Balances Supplementary Contracts Without Life Contingencies</link:label>
    <link:label id="lab_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2_documentation_en-US" xlink:label="lab_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The accrued obligation for policyholder account balances that relates to supplementary contracts without life contingencies.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies" xlink:label="loc_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2" xlink:to="lab_kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_EBE82035F90EF968A510AD6A48869BA2" xlink:type="arc" />
    <link:label id="lab_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C_terseLabel_en-US" xlink:label="lab_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Separate account liabilities, carrying value</link:label>
    <link:label id="lab_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C_label_en-US" xlink:label="lab_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Separate Accounts Liability Carrying Value</link:label>
    <link:label id="lab_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C_documentation_en-US" xlink:label="lab_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The carrying value of the liabilities held by the Entity for the benefit of separate account policyholders.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_SeparateAccountsLiabilityCarryingValue" xlink:label="loc_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C" xlink:to="lab_kcli_SeparateAccountsLiabilityCarryingValue_AC4469518BC66B3E73BBAD6A4886071C" xlink:type="arc" />
    <link:label id="lab_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139_negatedLabel_en-US" xlink:label="lab_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other policyholder funds - GMWB, carrying value</link:label>
    <link:label id="lab_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139_label_en-US" xlink:label="lab_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Policyholder Funds Carrying Value</link:label>
    <link:label id="lab_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139_documentation_en-US" xlink:label="lab_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other policyholder funds carrying value.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_OtherPolicyholderFundsCarryingValue" xlink:label="loc_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139" xlink:to="lab_kcli_OtherPolicyholderFundsCarryingValue_48CDE0930843D6B33A5DAD6A4886F139" xlink:type="arc" />
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_4E966C6E24487344356EAD6A4886B64C_verboseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_4E966C6E24487344356EAD6A4886B64C" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fixed maturity securities available for sale, fair value</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesFairValueDisclosure" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_4E966C6E24487344356EAD6A4886B64C" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_4E966C6E24487344356EAD6A4886B64C" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_4E966C6E24487344356EAD6A4886B64C" xlink:type="arc" />
    <link:label id="lab_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D_terseLabel_en-US" xlink:label="lab_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans, fair value</link:label>
    <link:label id="lab_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D_label_en-US" xlink:label="lab_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans On Real Estate Fair Value Of Mortgages</link:label>
    <link:label id="lab_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D_documentation_en-US" xlink:label="lab_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The fair value of the outstanding balance due under the mortgage loan.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MortgageLoansOnRealEstateFairValueOfMortgages" xlink:label="loc_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D" xlink:to="lab_kcli_MortgageLoansOnRealEstateFairValueOfMortgages_BF129D22DDF3E32ACA24AD6A4886CD6D" xlink:type="arc" />
    <link:label id="lab_us-gaap_LoansInsurancePolicy_4A95A52E058481B04A33AD6A4887FF64_positiveLabel_en-US" xlink:label="lab_us-gaap_LoansInsurancePolicy_4A95A52E058481B04A33AD6A4887FF64" xlink:role="http://www.xbrl.org/2003/role/positiveLabel" xlink:type="resource" xml:lang="en-US">Policy loans, fair value</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansInsurancePolicy" xlink:label="loc_us-gaap_LoansInsurancePolicy_4A95A52E058481B04A33AD6A4887FF64" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansInsurancePolicy_4A95A52E058481B04A33AD6A4887FF64" xlink:to="lab_us-gaap_LoansInsurancePolicy_4A95A52E058481B04A33AD6A4887FF64" xlink:type="arc" />
    <link:label id="lab_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E_terseLabel_en-US" xlink:label="lab_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and short-term investments, fair value</link:label>
    <link:label id="lab_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E_label_en-US" xlink:label="lab_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Cash Equivalents And Short Term Investments Fair Value</link:label>
    <link:label id="lab_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E_documentation_en-US" xlink:label="lab_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The fair value of cash, cash equivalents and short term investments.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue" xlink:label="loc_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E" xlink:to="lab_kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_918461A254DA81753051AD6A4887168E" xlink:type="arc" />
    <link:label id="lab_us-gaap_SeparateAccountAssets_15F80F52046D4BDB8326AD6A4887CF75_verboseLabel_en-US" xlink:label="lab_us-gaap_SeparateAccountAssets_15F80F52046D4BDB8326AD6A4887CF75" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Separate account assets, fair value</link:label>
    <link:label id="lab_us-gaap_SeparateAccountAssets_15F80F52046D4BDB8326AD6A4887CF75_label_en-US" xlink:label="lab_us-gaap_SeparateAccountAssets_15F80F52046D4BDB8326AD6A4887CF75" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Separate Account Assets</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SeparateAccountAssets" xlink:label="loc_us-gaap_SeparateAccountAssets_15F80F52046D4BDB8326AD6A4887CF75" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeparateAccountAssets_15F80F52046D4BDB8326AD6A4887CF75" xlink:to="lab_us-gaap_SeparateAccountAssets_15F80F52046D4BDB8326AD6A4887CF75" xlink:type="arc" />
    <link:label id="lab_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F_terseLabel_en-US" xlink:label="lab_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual and group annuities, fair value</link:label>
    <link:label id="lab_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F_label_en-US" xlink:label="lab_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Policyholder Account Balances Fixed Deferred Annuities</link:label>
    <link:label id="lab_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F_documentation_en-US" xlink:label="lab_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The fair value of the accrued obligation for policyholder account balances that relates to fixed deferred annuities.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities" xlink:label="loc_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F" xlink:to="lab_kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_E344962734B4225D30F2AD6A4887987F" xlink:type="arc" />
    <link:label id="lab_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE_terseLabel_en-US" xlink:label="lab_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Supplementary contracts without life contingencies, fair value</link:label>
    <link:label id="lab_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE_label_en-US" xlink:label="lab_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Policyholder Account Balances Supplementary Contracts Without Life Contingencies</link:label>
    <link:label id="lab_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE_documentation_en-US" xlink:label="lab_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The fair value of the accrued obligation for policyholder account balances that relates to supplementary contracts without life contingencies.</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies" xlink:label="loc_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE" xlink:to="lab_kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_7F82EE2049A9884F690DAD6A488789EE" xlink:type="arc" />
    <link:label id="lab_us-gaap_SeparateAccountsLiability_B755CB39BC9EBA018A61AD6A48871C5B_verboseLabel_en-US" xlink:label="lab_us-gaap_SeparateAccountsLiability_B755CB39BC9EBA018A61AD6A48871C5B" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Separate account liabilities, fair value</link:label>
    <link:label id="lab_us-gaap_SeparateAccountsLiability_B755CB39BC9EBA018A61AD6A48871C5B_label_en-US" xlink:label="lab_us-gaap_SeparateAccountsLiability_B755CB39BC9EBA018A61AD6A48871C5B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Separate Accounts, Liability</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SeparateAccountsLiability" xlink:label="loc_us-gaap_SeparateAccountsLiability_B755CB39BC9EBA018A61AD6A48871C5B" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeparateAccountsLiability_B755CB39BC9EBA018A61AD6A48871C5B" xlink:to="lab_us-gaap_SeparateAccountsLiability_B755CB39BC9EBA018A61AD6A48871C5B" xlink:type="arc" />
    <link:label id="lab_kcli_OtherPolicyholderFundsFairValue_42253CDDB979EAA41842AD6A488719EB_negatedLabel_en-US" xlink:label="lab_kcli_OtherPolicyholderFundsFairValue_42253CDDB979EAA41842AD6A488719EB" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other policyholder funds - GMWB, fair value</link:label>
    <link:label id="lab_kcli_OtherPolicyholderFundsFairValue_42253CDDB979EAA41842AD6A488719EB_label_en-US" xlink:label="lab_kcli_OtherPolicyholderFundsFairValue_42253CDDB979EAA41842AD6A488719EB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Policyholder Funds Fair Value</link:label>
    <link:label id="lab_kcli_OtherPolicyholderFundsFairValue_42253CDDB979EAA41842AD6A488719EB_documentation_en-US" xlink:label="lab_kcli_OtherPolicyholderFundsFairValue_42253CDDB979EAA41842AD6A488719EB" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other policyholder funds fair value.</link:label>
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    <link:label id="lab_kcli_CorporateObligationsMember_F1FC7EA50703626C06BCA8F0455C9D3E_documentation_en-US" xlink:label="lab_kcli_CorporateObligationsMember_F1FC7EA50703626C06BCA8F0455C9D3E" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Corporate obligations.</link:label>
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    <link:label id="lab_kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember_F6B168FE6A9D4BA85EA6A8F0455C2DD5_terseLabel_en-US" xlink:label="lab_kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember_F6B168FE6A9D4BA85EA6A8F0455C2DD5" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate private-labeled residential mortgage-backed securities</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1_DE2B17A04B112398A982A8F0455CE73F" xlink:type="locator" />
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    <link:loc xlink:href="kcli-20130331.xsd#kcli_GrossRealizedLosses" xlink:label="loc_kcli_GrossRealizedLosses_64F280BDC4F340D5920538DF5CB7435F" xlink:type="locator" />
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    <link:label id="lab_kcli_FinancingReceivablePastDueAxis_B7174EE5416AE19A39FD3D99FB18F88E_documentation_en-US" xlink:label="lab_kcli_FinancingReceivablePastDueAxis_B7174EE5416AE19A39FD3D99FB18F88E" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable Past Due [Axis]</link:label>
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    <link:label id="lab_kcli_FinancingReceivablePastDueDomain_099CF2FBBE2837811F4D3D99FB1831BF_documentation_en-US" xlink:label="lab_kcli_FinancingReceivablePastDueDomain_099CF2FBBE2837811F4D3D99FB1831BF" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable Past Due [Domain]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_FinancingReceivablePastDueDomain" xlink:label="loc_kcli_FinancingReceivablePastDueDomain_099CF2FBBE2837811F4D3D99FB1831BF" xlink:type="locator" />
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    <link:label id="lab_kcli_ThirtyOrMoreDaysPastDueMember_C4E94A33FF5C173930BE3D99FB1897DB_terseLabel_en-US" xlink:label="lab_kcli_ThirtyOrMoreDaysPastDueMember_C4E94A33FF5C173930BE3D99FB1897DB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">30 or more days past due</link:label>
    <link:label id="lab_kcli_ThirtyOrMoreDaysPastDueMember_C4E94A33FF5C173930BE3D99FB1897DB_label_en-US" xlink:label="lab_kcli_ThirtyOrMoreDaysPastDueMember_C4E94A33FF5C173930BE3D99FB1897DB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Thirty Or More Days Past Due [Member]</link:label>
    <link:label id="lab_kcli_ThirtyOrMoreDaysPastDueMember_C4E94A33FF5C173930BE3D99FB1897DB_documentation_en-US" xlink:label="lab_kcli_ThirtyOrMoreDaysPastDueMember_C4E94A33FF5C173930BE3D99FB1897DB" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Thirty Or More Days Past Due [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_ThirtyOrMoreDaysPastDueMember" xlink:label="loc_kcli_ThirtyOrMoreDaysPastDueMember_C4E94A33FF5C173930BE3D99FB1897DB" xlink:type="locator" />
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    <link:label id="lab_kcli_OneHundredTwentyOrMoreDaysPastDueMember_ACB9FE5238FBB791FD3B3D99FB18CAD8_label_en-US" xlink:label="lab_kcli_OneHundredTwentyOrMoreDaysPastDueMember_ACB9FE5238FBB791FD3B3D99FB18CAD8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">One Hundred Twenty Or More Days Past Due [Member]</link:label>
    <link:label id="lab_kcli_OneHundredTwentyOrMoreDaysPastDueMember_ACB9FE5238FBB791FD3B3D99FB18CAD8_documentation_en-US" xlink:label="lab_kcli_OneHundredTwentyOrMoreDaysPastDueMember_ACB9FE5238FBB791FD3B3D99FB18CAD8" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">One Hundred Twenty Or More Days Past Due [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_OneHundredTwentyOrMoreDaysPastDueMember" xlink:label="loc_kcli_OneHundredTwentyOrMoreDaysPastDueMember_ACB9FE5238FBB791FD3B3D99FB18CAD8" xlink:type="locator" />
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    <link:label id="lab_kcli_FinancingReceivableRecordedInvestmentGross_8BFD13EAC66B72C3FD2E3D99FB1859DE_terseLabel_en-US" xlink:label="lab_kcli_FinancingReceivableRecordedInvestmentGross_8BFD13EAC66B72C3FD2E3D99FB1859DE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivables</link:label>
    <link:label id="lab_kcli_FinancingReceivableRecordedInvestmentGross_8BFD13EAC66B72C3FD2E3D99FB1859DE_label_en-US" xlink:label="lab_kcli_FinancingReceivableRecordedInvestmentGross_8BFD13EAC66B72C3FD2E3D99FB1859DE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Recorded Investment Gross</link:label>
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    <link:loc xlink:href="kcli-20130331.xsd#kcli_FinancingReceivableRecordedInvestmentGross" xlink:label="loc_kcli_FinancingReceivableRecordedInvestmentGross_8BFD13EAC66B72C3FD2E3D99FB1859DE" xlink:type="locator" />
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    <link:label id="lab_kcli_NumberOfTypesOfAgentReceivables_A25D67C416273C0CC5D03D99FB196D4E_terseLabel_en-US" xlink:label="lab_kcli_NumberOfTypesOfAgentReceivables_A25D67C416273C0CC5D03D99FB196D4E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of types of agent receivables</link:label>
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    <link:loc xlink:href="kcli-20130331.xsd#kcli_NumberOfTypesOfAgentReceivables" xlink:label="loc_kcli_NumberOfTypesOfAgentReceivables_A25D67C416273C0CC5D03D99FB196D4E" xlink:type="locator" />
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    <link:label id="lab_kcli_FinancingReceivableRecordedInvestment_087953EFE302FDBCCC263D99FB1927C4_documentation_en-US" xlink:label="lab_kcli_FinancingReceivableRecordedInvestment_087953EFE302FDBCCC263D99FB1927C4" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of the recorded investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, accounts receivable (with terms exceeding one year), notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases have been recorded as assets.</link:label>
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    <link:label id="lab_kcli_NumberOfFinancingReceivablesThirtyOrMoreDaysPastDue_8A68263B9ABF382803763D99FB19922A_terseLabel_en-US" xlink:label="lab_kcli_NumberOfFinancingReceivablesThirtyOrMoreDaysPastDue_8A68263B9ABF382803763D99FB19922A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans 30 days past due</link:label>
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    <link:label id="lab_kcli_NumberOfFinancingReceivablesThirtyOrMoreDaysPastDueSubsequentPaymentReceived_646F8D71533D96D333AC3DA89D924368_terseLabel_en-US" xlink:label="lab_kcli_NumberOfFinancingReceivablesThirtyOrMoreDaysPastDueSubsequentPaymentReceived_646F8D71533D96D333AC3DA89D924368" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of loans that have subsequently paid</link:label>
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    <link:label id="lab_kcli_NumberOfFinancingReceivablesOneHundredTwentyDaysPastDue_5878E038E3F234640EA13D99FB19EE5C_terseLabel_en-US" xlink:label="lab_kcli_NumberOfFinancingReceivablesOneHundredTwentyDaysPastDue_5878E038E3F234640EA13D99FB19EE5C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans 120 days past due</link:label>
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    <link:label id="lab_kcli_WestNorthCentralMember_5E4A47E0EB1F0E546556A8F044C06D6B_documentation_en-US" xlink:label="lab_kcli_WestNorthCentralMember_5E4A47E0EB1F0E546556A8F044C06D6B" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">West North Central [Member]</link:label>
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    <link:label id="lab_kcli_MountainMember_E613922E2490ECF41810A8F044C18E59_documentation_en-US" xlink:label="lab_kcli_MountainMember_E613922E2490ECF41810A8F044C18E59" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mountain [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MountainMember" xlink:label="loc_kcli_MountainMember_E613922E2490ECF41810A8F044C18E59" xlink:type="locator" />
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    <link:label id="lab_kcli_SouthAtlanticMember_19E7967ABA03FA13EA6AA8F044C114FE_documentation_en-US" xlink:label="lab_kcli_SouthAtlanticMember_19E7967ABA03FA13EA6AA8F044C114FE" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">South Atlantic [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_SouthAtlanticMember" xlink:label="loc_kcli_SouthAtlanticMember_19E7967ABA03FA13EA6AA8F044C114FE" xlink:type="locator" />
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    <link:label id="lab_kcli_MiddleAtlanticMember_A6D985312E38490AF8E4A8F044C1DB8B_label_en-US" xlink:label="lab_kcli_MiddleAtlanticMember_A6D985312E38490AF8E4A8F044C1DB8B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Middle Atlantic [Member]</link:label>
    <link:label id="lab_kcli_MiddleAtlanticMember_A6D985312E38490AF8E4A8F044C1DB8B_documentation_en-US" xlink:label="lab_kcli_MiddleAtlanticMember_A6D985312E38490AF8E4A8F044C1DB8B" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Middle Atlantic [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_MiddleAtlanticMember" xlink:label="loc_kcli_MiddleAtlanticMember_A6D985312E38490AF8E4A8F044C1DB8B" xlink:type="locator" />
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    <link:label id="lab_kcli_EastNorthCentralMember_8B3F4387EAF0A9F01D05A8F044C1E8A5_documentation_en-US" xlink:label="lab_kcli_EastNorthCentralMember_8B3F4387EAF0A9F01D05A8F044C1E8A5" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">East North Central [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_EastNorthCentralMember" xlink:label="loc_kcli_EastNorthCentralMember_8B3F4387EAF0A9F01D05A8F044C1E8A5" xlink:type="locator" />
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    <link:label id="lab_kcli_EastSouthCentralMember_90519542096708B4262BA8F044C1EA8C_documentation_en-US" xlink:label="lab_kcli_EastSouthCentralMember_90519542096708B4262BA8F044C1EA8C" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">East South Central [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_EastSouthCentralMember" xlink:label="loc_kcli_EastSouthCentralMember_90519542096708B4262BA8F044C1EA8C" xlink:type="locator" />
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    <link:label id="lab_kcli_OtherFinancingReceivablesMember_0678AECDAD7DB8D98009A93F9F17F553_terseLabel_en-US" xlink:label="lab_kcli_OtherFinancingReceivablesMember_0678AECDAD7DB8D98009A93F9F17F553" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
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    <link:label id="lab_kcli_OtherFinancingReceivablesMember_0678AECDAD7DB8D98009A93F9F17F553_documentation_en-US" xlink:label="lab_kcli_OtherFinancingReceivablesMember_0678AECDAD7DB8D98009A93F9F17F553" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Financing Receivables [Member]</link:label>
    <link:loc xlink:href="kcli-20130331.xsd#kcli_OtherFinancingReceivablesMember" xlink:label="loc_kcli_OtherFinancingReceivablesMember_0678AECDAD7DB8D98009A93F9F17F553" xlink:type="locator" />
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    <link:label id="lab_kcli_PricedFromExternalPricingServiceMember_616D596D15AC1BDCE4634B4484AEEC2F_terseLabel_en-US" xlink:label="lab_kcli_PricedFromExternalPricingServiceMember_616D596D15AC1BDCE4634B4484AEEC2F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Priced from external pricing services</link:label>
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    <link:label id="lab_kcli_PricedFromExternalPricingServiceMember_616D596D15AC1BDCE4634B4484AEEC2F_documentation_en-US" xlink:label="lab_kcli_PricedFromExternalPricingServiceMember_616D596D15AC1BDCE4634B4484AEEC2F" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Priced from external pricing service.</link:label>
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    <link:loc xlink:href="kcli-20130331.xsd#kcli_NetInsuranceIncomeAbstract" xlink:label="loc_kcli_NetInsuranceIncomeAbstract_DCE9E57C429A06C6EE9B389EBBACBA34" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PremiumsEarnedNet_3BC98F9AEC2225A00F86389EBBAC1001_terseLabel_en-US" xlink:label="lab_us-gaap_PremiumsEarnedNet_3BC98F9AEC2225A00F86389EBBAC1001" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net premiums</link:label>
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