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<!--Modified on: 7/27/2012 2:20:23 PM-->
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_OtherAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SeparateAccountAssets" xlink:label="us-gaap_SeparateAccountAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeparateAccountAssets" xlink:to="us-gaap_SeparateAccountAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SeparateAccountAssets_lbl" xml:lang="en-US">Separate Account Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SeparateAccountAssets_lbl" xml:lang="en-US">Separate account assets, fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_SeparateAccountAssets_lbl" xml:lang="en-US">Separate account assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Total assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="us-gaap_LiabilitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAbstract" xlink:to="us-gaap_LiabilitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAbstract_lbl" xml:lang="en-US">Liabilities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LiabilitiesAbstract_lbl" xml:lang="en-US">LIABILITIES</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefits" xlink:label="us-gaap_LiabilityForFuturePolicyBenefits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefits" xlink:to="us-gaap_LiabilityForFuturePolicyBenefits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilityForFuturePolicyBenefits_lbl" xml:lang="en-US">Liability for Future Policy Benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LiabilityForFuturePolicyBenefits_lbl" xml:lang="en-US">Future policy benefits</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PolicyholderAccountBalances" xlink:label="kcli_PolicyholderAccountBalances" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PolicyholderAccountBalances" xlink:to="kcli_PolicyholderAccountBalances_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PolicyholderAccountBalances_lbl" xml:lang="en-US">Policyholder Account Balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PolicyholderAccountBalances_lbl" xml:lang="en-US">Policyholder account balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PolicyholderAccountBalances_lbl" xml:lang="en-US">Carrying amount of liabilities as of the balance sheet date for universal life insurance, fixed deferred annuity contracts and investment-type contracts.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PolicyAndContractClaims" xlink:label="kcli_PolicyAndContractClaims" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PolicyAndContractClaims" xlink:to="kcli_PolicyAndContractClaims_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PolicyAndContractClaims_lbl" xml:lang="en-US">Policy and Contract Claims</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PolicyAndContractClaims_lbl" xml:lang="en-US">Policy and contract claims</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PolicyAndContractClaims_lbl" xml:lang="en-US">The amount needed to reflect the cost of settling claims relating to insured events that have occurred on or before the balance sheet date, whether or not reported to the insurer at that date.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PolicyholderFundsOther" xlink:label="kcli_PolicyholderFundsOther" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PolicyholderFundsOther" xlink:to="kcli_PolicyholderFundsOther_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PolicyholderFundsOther_lbl" xml:lang="en-US">Policyholder Funds Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PolicyholderFundsOther_lbl" xml:lang="en-US">Other policyholder funds</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PolicyholderFundsOther_lbl" xml:lang="en-US">Liability as of the balance sheet date to the policyholders for funds held that are returnable under the terms of insurance contracts that were not separately reported elsewhere as well as the liability for guarantees on insurance contracts.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="us-gaap_OtherLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilities" xlink:to="us-gaap_OtherLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SeparateAccountsLiability" xlink:label="us-gaap_SeparateAccountsLiability" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeparateAccountsLiability" xlink:to="us-gaap_SeparateAccountsLiability_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SeparateAccountsLiability_lbl" xml:lang="en-US">Separate Accounts Liability</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SeparateAccountsLiability_lbl" xml:lang="en-US">Separate account liabilities, fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_SeparateAccountsLiability_lbl" xml:lang="en-US">Separate account liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Total liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="us-gaap_StockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">Stockholders Equity [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">STOCKHOLDERS' EQUITY</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="us-gaap_CommonStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common Stock Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock, par value $1.25 per share Authorized 36,000,000 shares, issued 18,496,680 shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalCommonStock" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" xml:lang="en-US">Additional Paid in Capital, Common Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" xml:lang="en-US">Additional paid in capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained earnings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">End of period, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Beginning of year, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated other comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="us-gaap_TreasuryStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockValue" xlink:to="us-gaap_TreasuryStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury Stock, Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury stock, at cost (2012 - 7,439,747 shares; 2011 - 7,187,315 shares)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Stockholders' Equity Attributable to Parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Total stockholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Liabilities and Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Total liabilities and stockholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common Stock, Par or Stated Value Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common stock, par value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="us-gaap_CommonStockSharesAuthorized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="us-gaap_CommonStockSharesAuthorized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common Stock, Shares Authorized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common stock, shares authorized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="us-gaap_CommonStockSharesIssued" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common Stock, Shares, Issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock, shares issued</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="us-gaap_TreasuryStockShares" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockShares" xlink:to="us-gaap_TreasuryStockShares_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TreasuryStockShares_lbl" xml:lang="en-US">Treasury Stock, Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_TreasuryStockShares_lbl" xml:lang="en-US">Treasury stock, shares at cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="us-gaap_IncomeStatementAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeStatementAbstract" xlink:to="us-gaap_IncomeStatementAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeStatementAbstract_lbl" xml:lang="en-US">Consolidated Statements Comprehensive of Income [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="us-gaap_RevenuesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenuesAbstract" xlink:to="us-gaap_RevenuesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RevenuesAbstract_lbl" xml:lang="en-US">Revenues [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_RevenuesAbstract_lbl" xml:lang="en-US">REVENUES</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="us-gaap_PremiumsEarnedNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PremiumsEarnedNet" xlink:to="us-gaap_PremiumsEarnedNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PremiumsEarnedNet_lbl" xml:lang="en-US">Premiums Earned, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PremiumsEarnedNet_lbl" xml:lang="en-US">Premiums, net</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ContractCharges" xlink:label="kcli_ContractCharges" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ContractCharges" xlink:to="kcli_ContractCharges_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ContractCharges_lbl" xml:lang="en-US">Contract Charges</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ContractCharges_lbl" xml:lang="en-US">Contract charges</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ContractCharges_lbl" xml:lang="en-US">Contract charges consist of cost of insurance, expense loads, the amortization of unearned revenues and surrender charges.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_InsuranceRevenues" xlink:label="kcli_InsuranceRevenues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_InsuranceRevenues" xlink:to="kcli_InsuranceRevenues_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_InsuranceRevenues_lbl" xml:lang="en-US">Insurance Revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_InsuranceRevenues_lbl" xml:lang="en-US">Insurance revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_InsuranceRevenues_lbl" xml:lang="en-US">Total insurance revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_InsuranceRevenues_lbl" xml:lang="en-US">Total insurance revenues includes net premiums and contract charges.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetInvestmentIncomeAbstract" xlink:label="us-gaap_NetInvestmentIncomeAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetInvestmentIncomeAbstract" xlink:to="us-gaap_NetInvestmentIncomeAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetInvestmentIncomeAbstract_lbl" xml:lang="en-US">Net Investment Income [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetInvestmentIncomeAbstract_lbl" xml:lang="en-US">Investment revenues:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="us-gaap_NetInvestmentIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetInvestmentIncome" xlink:to="us-gaap_NetInvestmentIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetInvestmentIncome_lbl" xml:lang="en-US">Net Investment Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetInvestmentIncome_lbl" xml:lang="en-US">Net investment income</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_RealizedInvestmentGainsExcludingImpairmentLosses" xlink:label="kcli_RealizedInvestmentGainsExcludingImpairmentLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_RealizedInvestmentGainsExcludingImpairmentLosses" xlink:to="kcli_RealizedInvestmentGainsExcludingImpairmentLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_RealizedInvestmentGainsExcludingImpairmentLosses_lbl" xml:lang="en-US">Realized Investment Gains, Excluding Impairment Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_RealizedInvestmentGainsExcludingImpairmentLosses_lbl" xml:lang="en-US">Net realized investment gains, excluding impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_RealizedInvestmentGainsExcludingImpairmentLosses_lbl" xml:lang="en-US">Net realized investment gains, excluding impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_RealizedInvestmentGainsExcludingImpairmentLosses_lbl" xml:lang="en-US">Net realized investment gains, excluding impairment losses.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NetImpairmentLossesRecognizedInEarningsAbstract" xlink:label="kcli_NetImpairmentLossesRecognizedInEarningsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NetImpairmentLossesRecognizedInEarningsAbstract" xlink:to="kcli_NetImpairmentLossesRecognizedInEarningsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NetImpairmentLossesRecognizedInEarningsAbstract_lbl" xml:lang="en-US">Net Impairment Losses Recognized In Earnings [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_NetImpairmentLossesRecognizedInEarningsAbstract_lbl" xml:lang="en-US">Net impairment losses recognized in earnings:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NetImpairmentLossesRecognizedInEarningsAbstract_lbl" xml:lang="en-US">Net impairment losses recognized in earnings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairmentOfInvestments" xlink:label="us-gaap_ImpairmentOfInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairmentOfInvestments" xlink:to="us-gaap_ImpairmentOfInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairmentOfInvestments_lbl" xml:lang="en-US">Other than Temporary Impairment Losses, Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ImpairmentOfInvestments_lbl" xml:lang="en-US">Total other-than-temporary impairment losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities" xlink:to="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities_lbl" xml:lang="en-US">Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Income (Loss), before Tax, Including Portion Attributable to Noncontrolling Interest, Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterestAvailableforsaleSecurities_lbl" xml:lang="en-US">Portion of loss recognized in other comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet" xlink:to="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet_lbl" xml:lang="en-US">Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet_lbl" xml:lang="en-US">Net impairment losses recognized in earnings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet_lbl" xml:lang="en-US">Net impairment losses recognized in earnings</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_InvestmentRevenues" xlink:label="kcli_InvestmentRevenues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_InvestmentRevenues" xlink:to="kcli_InvestmentRevenues_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_InvestmentRevenues_lbl" xml:lang="en-US">Investment Revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_InvestmentRevenues_lbl" xml:lang="en-US">Total investment revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_InvestmentRevenues_lbl" xml:lang="en-US">Includes net investment income plus realized gains &amp; losses recognized in the earnings.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherIncome" xlink:label="us-gaap_OtherIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherIncome" xlink:to="us-gaap_OtherIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherIncome_lbl" xml:lang="en-US">Other Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherIncome_lbl" xml:lang="en-US">Other revenues</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_Revenues_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Revenues_lbl" xml:lang="en-US">Revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Revenues_lbl" xml:lang="en-US">Total revenues</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BenefitsLossesAndExpensesAbstract" xlink:label="us-gaap_BenefitsLossesAndExpensesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BenefitsLossesAndExpensesAbstract" xlink:to="us-gaap_BenefitsLossesAndExpensesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BenefitsLossesAndExpensesAbstract_lbl" xml:lang="en-US">Benefits, Losses and Expenses [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_BenefitsLossesAndExpensesAbstract_lbl" xml:lang="en-US">BENEFITS AND EXPENSES</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PolicyholderBenefits" xlink:label="kcli_PolicyholderBenefits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PolicyholderBenefits" xlink:to="kcli_PolicyholderBenefits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PolicyholderBenefits_lbl" xml:lang="en-US">Policyholder Benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PolicyholderBenefits_lbl" xml:lang="en-US">Policyholder benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PolicyholderBenefits_lbl" xml:lang="en-US">Policyholder benefits consist of death benefits (mortality), immediate annuity benefits, accident and health benefits, surrenders and the associated increase or decrease in reserves for future policy benefits.  Also includes other policyholder guarantees.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestCreditedToPolicyholdersAccountBalances" xlink:label="us-gaap_InterestCreditedToPolicyholdersAccountBalances" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestCreditedToPolicyholdersAccountBalances" xlink:to="us-gaap_InterestCreditedToPolicyholdersAccountBalances_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestCreditedToPolicyholdersAccountBalances_lbl" xml:lang="en-US">Interest Credited to Policyholders Account Balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestCreditedToPolicyholdersAccountBalances_lbl" xml:lang="en-US">Interest credited to policyholder account balances</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:to="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_lbl" xml:lang="en-US">Deferred Policy Acquisition Cost, Amortization Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_lbl" xml:lang="en-US">Amortization of deferred acquisition costs</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OperatingExpensesRecurringNetOfExpensesRelatingToDeferredPolicyAcquisitionCosts" xlink:label="kcli_OperatingExpensesRecurringNetOfExpensesRelatingToDeferredPolicyAcquisitionCosts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OperatingExpensesRecurringNetOfExpensesRelatingToDeferredPolicyAcquisitionCosts" xlink:to="kcli_OperatingExpensesRecurringNetOfExpensesRelatingToDeferredPolicyAcquisitionCosts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OperatingExpensesRecurringNetOfExpensesRelatingToDeferredPolicyAcquisitionCosts_lbl" xml:lang="en-US">Operating Expenses Recurring Net of Expenses Relating to Deferred Policy Acquisition Costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OperatingExpensesRecurringNetOfExpensesRelatingToDeferredPolicyAcquisitionCosts_lbl" xml:lang="en-US">Operating expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OperatingExpensesRecurringNetOfExpensesRelatingToDeferredPolicyAcquisitionCosts_lbl" xml:lang="en-US">Generally recurring costs associated with normal operations of the company including general and administrative expenses.  Also includes insurance commissions which represent the expense incurred by an insurance company to persons or entities for generating or placing insurance or investment contracts with the company, usually determined as a percentage of policy or contract premiums.
This is net of the total amount of operating expenses that were capitalized as deferred policy acquisition costs reflected in the income statement for each period presented.
Operating expenses also include total amortization expense with respect to capitalized value of business asset acquired (present value of future profits) reflected in the income statement for the period, generally on the same basis for amortization of deferred policy acquisition costs.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BenefitsLossesAndExpenses" xlink:label="us-gaap_BenefitsLossesAndExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BenefitsLossesAndExpenses" xlink:to="us-gaap_BenefitsLossesAndExpenses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BenefitsLossesAndExpenses_lbl" xml:lang="en-US">Benefits, Losses and Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_BenefitsLossesAndExpenses_lbl" xml:lang="en-US">Total benefits and expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl" xml:lang="en-US">Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl" xml:lang="en-US">Income before income tax expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxExpenseBenefit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income Tax Expense (Benefit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income tax expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net Income (Loss) Attributable to Parent</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net Income (loss)</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TreasuryStockMember_lbl" xml:lang="en-US">Treasury Stock [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ExcessOfProceedsOverCostOfTreasuryStockSold_lbl" xml:lang="en-US">Excess of Proceeds Over Cost of Treasury Stock Sold</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:label="us-gaap_DividendsCommonStockCash" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_TreasuryStockValueAcquiredCostMethod_lbl" xml:lang="en-US">Cost of 82,825 shares acquired</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl" xml:lang="en-US">Cost of 19,014 shares sold</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid_lbl" xml:lang="en-US">Dividends to shareholders</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_RealizedInvestmentGainsLosses_lbl" xml:lang="en-US">Realized investment gains</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealizedInvestmentGainsLosses_lbl" xml:lang="en-US">Realized Investment Gains (Losses)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_RealizedInvestmentGainsLosses_lbl" xml:lang="en-US">Net realized investment gains</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" xml:lang="en-US">Increase (Decrease) in Operating Capital [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" xml:lang="en-US">Changes in assets and liabilities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:to="us-gaap_IncreaseDecreaseInReinsuranceRecoverable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable_lbl" xml:lang="en-US">Increase (Decrease) in Reinsurance Recoverable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable_lbl" xml:lang="en-US">Reinsurance receivables</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves" xlink:label="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves" xlink:to="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves_lbl" xml:lang="en-US">Increase (Decrease) in Future Policy Benefit Reserves</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves_lbl" xml:lang="en-US">Future policy benefits</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_IncreaseDecreasePolicyholderAccountBalances" xlink:label="kcli_IncreaseDecreasePolicyholderAccountBalances" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_IncreaseDecreasePolicyholderAccountBalances" xlink:to="kcli_IncreaseDecreasePolicyholderAccountBalances_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_IncreaseDecreasePolicyholderAccountBalances_lbl" xml:lang="en-US">Increase Decrease Policyholder Account Balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_IncreaseDecreasePolicyholderAccountBalances_lbl" xml:lang="en-US">Policyholder account balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_IncreaseDecreasePolicyholderAccountBalances_lbl" xml:lang="en-US">Carrying amount of liabilities as of the balance sheet date for universal life insurance, fixed deferred annuity contracts and investment-type contracts.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxesAndTaxCredits" xlink:label="us-gaap_DeferredIncomeTaxesAndTaxCredits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxesAndTaxCredits" xlink:to="us-gaap_DeferredIncomeTaxesAndTaxCredits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredIncomeTaxesAndTaxCredits_lbl" xml:lang="en-US">Deferred Income Taxes and Tax Credits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DeferredIncomeTaxesAndTaxCredits_lbl" xml:lang="en-US">Income taxes payable and deferred</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Assets and Liabilities, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_lbl" xml:lang="en-US">Other, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash provided</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash (used) provided</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">INVESTING ACTIVITIES</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities, Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl" xml:lang="en-US">Fixed maturity securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity_lbl" xml:lang="en-US">Payments to Acquire Available for Sale Securities Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity_lbl" xml:lang="en-US">Equity securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireMortgageNotesReceivable" xlink:label="us-gaap_PaymentsToAcquireMortgageNotesReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireMortgageNotesReceivable" xlink:to="us-gaap_PaymentsToAcquireMortgageNotesReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireMortgageNotesReceivable_lbl" xml:lang="en-US">Payments to Acquire Mortgage Notes Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireMortgageNotesReceivable_lbl" xml:lang="en-US">Mortgage loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireRealEstateHeldForInvestment" xlink:label="us-gaap_PaymentsToAcquireRealEstateHeldForInvestment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireRealEstateHeldForInvestment" xlink:to="us-gaap_PaymentsToAcquireRealEstateHeldForInvestment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireRealEstateHeldForInvestment_lbl" xml:lang="en-US">Payments to Acquire Real Estate Held-for-investment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireRealEstateHeldForInvestment_lbl" xml:lang="en-US">Real estate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity_lbl" xml:lang="en-US">Equity securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity_lbl" xml:lang="en-US">Proceeds from Sale of Available-for-sale Securities, Equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable" xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable" xlink:to="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable_lbl" xml:lang="en-US">Proceeds from Sale and Collection of Mortgage Notes Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable_lbl" xml:lang="en-US">Mortgage loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash used</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">FINANCING ACTIVITIES</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ProceedsFromPolicyholderAccountBalances" xlink:label="kcli_ProceedsFromPolicyholderAccountBalances" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ProceedsFromPolicyholderAccountBalances" xlink:to="kcli_ProceedsFromPolicyholderAccountBalances_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ProceedsFromPolicyholderAccountBalances_lbl" xml:lang="en-US">Proceeds From Policyholder Account Balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_ProceedsFromPolicyholderAccountBalances_lbl" xml:lang="en-US">Deposits on policyholder account balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ProceedsFromPolicyholderAccountBalances_lbl" 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.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_WithdrawalsFromPolicyholderAccountBalances" xlink:label="kcli_WithdrawalsFromPolicyholderAccountBalances" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_WithdrawalsFromPolicyholderAccountBalances" xlink:to="kcli_WithdrawalsFromPolicyholderAccountBalances_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_WithdrawalsFromPolicyholderAccountBalances_lbl" xml:lang="en-US">Withdrawals from Policyholder Account Balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_WithdrawalsFromPolicyholderAccountBalances_lbl" xml:lang="en-US">Withdrawals from policyholder account balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_WithdrawalsFromPolicyholderAccountBalances_lbl" 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.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NetTransfersFromSeparateAccounts" xlink:label="kcli_NetTransfersFromSeparateAccounts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NetTransfersFromSeparateAccounts" xlink:to="kcli_NetTransfersFromSeparateAccounts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NetTransfersFromSeparateAccounts_lbl" xml:lang="en-US">Net Transfers from Separate Accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NetTransfersFromSeparateAccounts_lbl" xml:lang="en-US">Net transfers from separate accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NetTransfersFromSeparateAccounts_lbl" xml:lang="en-US">Net Transfers From Separate Accounts</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherDeposits" xlink:label="us-gaap_IncreaseDecreaseInOtherDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherDeposits" xlink:to="us-gaap_IncreaseDecreaseInOtherDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherDeposits_lbl" xml:lang="en-US">Increase Decrease in Other Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherDeposits_lbl" xml:lang="en-US">Change in other deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromRepurchaseOfEquity" xlink:label="us-gaap_ProceedsFromRepurchaseOfEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromRepurchaseOfEquity" xlink:to="us-gaap_ProceedsFromRepurchaseOfEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromRepurchaseOfEquity_lbl" xml:lang="en-US">Proceeds from Repurchase of Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromRepurchaseOfEquity_lbl" xml:lang="en-US">Net change in treasury stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Increase to cash flows from financing activities due to identification of errors reported in cash flow</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net cash provided</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xml:lang="en-US">Summary of Fair value Estimates for Financial Instruments</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfDistributionOfMaturitiesForFixedMaturitySecuritiesAvailableForSaleWithUnrealizedLossesTableTextBlock_lbl" xml:lang="en-US">Schedule Of Distribution Of Maturities For Fixed Maturity Securities Available For Sale With Unrealized Losses [Table Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfMortgageLoansByGeographicLocationAndPropertyTypeTableTextBlock_lbl" xml:lang="en-US">Schedule of Mortgage Loans by Geographic Location And Property Type [Table Text Block]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:to="us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_lbl" xml:lang="en-US">Schedule of Net Periodic Benefit Cost Not yet Recognized [Table Text Block]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeAxis" xlink:to="us-gaap_RangeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RangeAxis_lbl" xml:lang="en-US">Range [Axis]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeMember" xlink:to="us-gaap_RangeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RangeMember_lbl" xml:lang="en-US">Range [Domain]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinimumMember" xlink:to="us-gaap_MinimumMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MaximumMember" xlink:label="us-gaap_MaximumMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MaximumMember" xlink:to="us-gaap_MaximumMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:to="us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_lbl" xml:lang="en-US">Schedule of Trading Securities and Other Trading Assets [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="us-gaap_FairValueInputsLevel3Member" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US">Fair Value Inputs Level3 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US">Level 3 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:label="us-gaap_DebtSecurityAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecurityAxis" xlink:to="us-gaap_DebtSecurityAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtSecurityAxis_lbl" xml:lang="en-US">Debt Security [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:label="us-gaap_MajorTypesOfDebtSecuritiesDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:to="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl" xml:lang="en-US">Major Types of Debt Securities [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtSecuritiesMember" xlink:label="us-gaap_DebtSecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesMember" xlink:to="us-gaap_DebtSecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtSecuritiesMember_lbl" xml:lang="en-US">Debt Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtSecuritiesMember_lbl" xml:lang="en-US">Fixed maturity securities [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsMajorTypesOfTradingSecuritiesAndAssetsAxis" xlink:label="us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsMajorTypesOfTradingSecuritiesAndAssetsAxis" />
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MajorTypesOfTradingSecuritiesAndAssetsDomain" xlink:label="us-gaap_MajorTypesOfTradingSecuritiesAndAssetsDomain" />
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SecuritiesAssetsMember" xlink:label="us-gaap_SecuritiesAssetsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SecuritiesAssetsMember" xlink:to="us-gaap_SecuritiesAssetsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SecuritiesAssetsMember_lbl" xml:lang="en-US">Securities Assets [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SecuritiesAssetsMember_lbl" xml:lang="en-US">Securities (Assets) [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="us-gaap_USGovernmentAgenciesDebtSecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:to="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl" xml:lang="en-US">U S Government Agencies Debt Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl" xml:lang="en-US">U.S. Treasury securities and obligations of U.S. Government [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FederalAgenciesMember" xlink:label="kcli_FederalAgenciesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FederalAgenciesMember" xlink:to="kcli_FederalAgenciesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FederalAgenciesMember_lbl" xml:lang="en-US">Federal Agencies [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_FederalAgenciesMember_lbl" xml:lang="en-US">Federal agencies [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FederalAgenciesMember_lbl" xml:lang="en-US">Federal agencies.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FederalAgencyIssuedResidentialMortgageBackedSecuritiesMember" xlink:label="kcli_FederalAgencyIssuedResidentialMortgageBackedSecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FederalAgencyIssuedResidentialMortgageBackedSecuritiesMember" xlink:to="kcli_FederalAgencyIssuedResidentialMortgageBackedSecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FederalAgencyIssuedResidentialMortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Federal Agency Issued Residential Mortgage Backed Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_FederalAgencyIssuedResidentialMortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Federal agency issued residential mortgage-backed securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FederalAgencyIssuedResidentialMortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Federal agency issued residential mortgage-backed securities.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CorporateObligationsMember" xlink:label="kcli_CorporateObligationsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_CorporateObligationsMember" xlink:to="kcli_CorporateObligationsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CorporateObligationsMember_lbl" xml:lang="en-US">Corporate Obligations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_CorporateObligationsMember_lbl" xml:lang="en-US">Corporate obligations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CorporateObligationsMember_lbl" xml:lang="en-US">Corporate obligations.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember" xlink:label="kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember" xlink:to="kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Corporate Private Labeled Residential Mortgage Backed Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Corporate private-labeled residential mortgage-backed securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CorporatePrivateLabeledResidentialMortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Corporate private-labeled residential mortgage-backed securities.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MunicipalSecuritiesMember" xlink:label="kcli_MunicipalSecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MunicipalSecuritiesMember" xlink:to="kcli_MunicipalSecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MunicipalSecuritiesMember_lbl" xml:lang="en-US">Municipal Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MunicipalSecuritiesMember_lbl" xml:lang="en-US">Municipal securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MunicipalSecuritiesMember_lbl" xml:lang="en-US">Municipal securities.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RedeemablePreferredStockMember" xlink:label="us-gaap_RedeemablePreferredStockMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RedeemablePreferredStockMember" xlink:to="us-gaap_RedeemablePreferredStockMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RedeemablePreferredStockMember_lbl" xml:lang="en-US">Redeemable Preferred Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RedeemablePreferredStockMember_lbl" xml:lang="en-US">Redeemable preferred stocks [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GuaranteedMinimumWithdrawalBenefitsMember" xlink:label="kcli_GuaranteedMinimumWithdrawalBenefitsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GuaranteedMinimumWithdrawalBenefitsMember" xlink:to="kcli_GuaranteedMinimumWithdrawalBenefitsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GuaranteedMinimumWithdrawalBenefitsMember_lbl" xml:lang="en-US">Guaranteed Minimum Withdrawal Benefits [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_GuaranteedMinimumWithdrawalBenefitsMember_lbl" xml:lang="en-US">GMWB [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GuaranteedMinimumWithdrawalBenefitsMember_lbl" xml:lang="en-US">Guaranteed minimum withdrawal benefits.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesByTypeAxis" xlink:label="us-gaap_SummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesByTypeAxis" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesByTypeAxis_lbl" xml:lang="en-US">Summary of Investments, Other than Investments in Related Parties, by Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SummaryOfInvestmentsByTypeDomain" xlink:label="us-gaap_SummaryOfInvestmentsByTypeDomain" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SummaryOfInvestmentsByTypeDomain_lbl" xml:lang="en-US">Summary of Investments By Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="us-gaap_USTreasurySecuritiesMember" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_USTreasurySecuritiesMember_lbl" xml:lang="en-US">U S Treasury Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_USTreasurySecuritiesMember_lbl" xml:lang="en-US">US Treasury Securities [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_IndustrialMember" xlink:label="kcli_IndustrialMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_IndustrialMember" xlink:to="kcli_IndustrialMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_IndustrialMember_lbl" xml:lang="en-US">Industrial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_IndustrialMember_lbl" xml:lang="en-US">Industrial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_IndustrialMember_lbl" xml:lang="en-US">Industrial.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_EnergyMember" xlink:label="kcli_EnergyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_EnergyMember" xlink:to="kcli_EnergyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_EnergyMember_lbl" xml:lang="en-US">Energy [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_EnergyMember_lbl" xml:lang="en-US">Energy [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_EnergyMember_lbl" xml:lang="en-US">Energy.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CommunicationsAndTechnologyMember" xlink:label="kcli_CommunicationsAndTechnologyMember" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CommunicationsAndTechnologyMember_lbl" xml:lang="en-US">Communications and Technology [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_CommunicationsAndTechnologyMember_lbl" xml:lang="en-US">Communications and Technology [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CommunicationsAndTechnologyMember_lbl" xml:lang="en-US">Communications and technology.</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FinancialMember" xlink:to="kcli_FinancialMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FinancialMember_lbl" xml:lang="en-US">Financial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_FinancialMember_lbl" xml:lang="en-US">Financial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FinancialMember_lbl" xml:lang="en-US">Financial.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ConsumerMember" xlink:label="kcli_ConsumerMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ConsumerMember" xlink:to="kcli_ConsumerMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ConsumerMember_lbl" xml:lang="en-US">Consumer [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_ConsumerMember_lbl" xml:lang="en-US">Consumer [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ConsumerMember_lbl" xml:lang="en-US">Consumer.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PublicUtilityEquitiesMember" xlink:label="us-gaap_PublicUtilityEquitiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PublicUtilityEquitiesMember" xlink:to="us-gaap_PublicUtilityEquitiesMember_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PublicUtilityEquitiesMember_lbl" xml:lang="en-US">Public Utilities [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherPolicyholderFundsMember" xlink:label="kcli_OtherPolicyholderFundsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherPolicyholderFundsMember" xlink:to="kcli_OtherPolicyholderFundsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherPolicyholderFundsMember_lbl" xml:lang="en-US">Other Policyholder Funds [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_OtherPolicyholderFundsMember_lbl" xml:lang="en-US">Other Policyholder Funds [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherPolicyholderFundsMember_lbl" xml:lang="en-US">Other policyholder funds.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesFairValueDisclosure" xlink:label="us-gaap_AvailableForSaleSecuritiesFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesFairValueDisclosure" xlink:to="us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_lbl" xml:lang="en-US">Available for sale, fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_lbl" xml:lang="en-US">Available-for-sale Securities, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesFairValueDisclosure_lbl" xml:lang="en-US">Securities, Fair Value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PercentageOfAssetsFairValueDisclosure" xlink:label="kcli_PercentageOfAssetsFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PercentageOfAssetsFairValueDisclosure" xlink:to="kcli_PercentageOfAssetsFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PercentageOfAssetsFairValueDisclosure_lbl" xml:lang="en-US">Percentage of Assets Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PercentageOfAssetsFairValueDisclosure_lbl" xml:lang="en-US">Percent of total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PercentageOfAssetsFairValueDisclosure_lbl" xml:lang="en-US">Percentage of assets fair value disclosure.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosure" xlink:label="us-gaap_LiabilitiesFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesFairValueDisclosure" xlink:to="us-gaap_LiabilitiesFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesFairValueDisclosure_lbl" xml:lang="en-US">Liabilities, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LiabilitiesFairValueDisclosure_lbl" xml:lang="en-US">Liabilities, fair value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:to="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_lbl" xml:lang="en-US">Schedule of Available-for-sale Securities [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:to="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_lbl" xml:lang="en-US">Major Types Of Debt And Equity Securities [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_lbl" xml:lang="en-US">Major Types of Debt and Equity Securities [Domain]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PricedFromExternalPricingServiceMember" xlink:label="kcli_PricedFromExternalPricingServiceMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PricedFromExternalPricingServiceMember" xlink:to="kcli_PricedFromExternalPricingServiceMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PricedFromExternalPricingServiceMember_lbl" xml:lang="en-US">Priced from External Pricing Service [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_PricedFromExternalPricingServiceMember_lbl" xml:lang="en-US">Priced from external pricing services [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PricedFromExternalPricingServiceMember_lbl" xml:lang="en-US">Priced from external pricing service.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PricedFromIndependentBrokersMember" xlink:label="kcli_PricedFromIndependentBrokersMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PricedFromIndependentBrokersMember" xlink:to="kcli_PricedFromIndependentBrokersMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PricedFromIndependentBrokersMember_lbl" xml:lang="en-US">Priced from Independent Brokers [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_PricedFromIndependentBrokersMember_lbl" xml:lang="en-US">Priced from independent broker quotations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PricedFromIndependentBrokersMember_lbl" xml:lang="en-US">Priced from independent brokers.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PricedFromInternalMatricesAndCalculationsMember" xlink:label="kcli_PricedFromInternalMatricesAndCalculationsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PricedFromInternalMatricesAndCalculationsMember" xlink:to="kcli_PricedFromInternalMatricesAndCalculationsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PricedFromInternalMatricesAndCalculationsMember_lbl" xml:lang="en-US">Priced from Internal Matrices and Calculations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_PricedFromInternalMatricesAndCalculationsMember_lbl" xml:lang="en-US">Priced from internal matrices and calculations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PricedFromInternalMatricesAndCalculationsMember_lbl" xml:lang="en-US">Priced from internal matrices and calculations.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FixedMaturitySecuritiesMember" xlink:label="kcli_FixedMaturitySecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FixedMaturitySecuritiesMember" xlink:to="kcli_FixedMaturitySecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FixedMaturitySecuritiesMember_lbl" xml:lang="en-US">Fixed Maturity Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FixedMaturitySecuritiesMember_lbl" xml:lang="en-US">Fixed maturity securities available for sale [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FixedMaturitySecuritiesMember_lbl" xml:lang="en-US">Fixed Maturity Securities [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:label="us-gaap_EquitySecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquitySecuritiesMember" xlink:to="us-gaap_EquitySecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EquitySecuritiesMember_lbl" xml:lang="en-US">Equity Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EquitySecuritiesMember_lbl" xml:lang="en-US">Equity securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_EquitySecuritiesMember_lbl" xml:lang="en-US">Equity securities available for sale [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_lbl" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_lbl" xml:lang="en-US">Ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_lbl" xml:lang="en-US">Beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_lbl" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_lbl" xml:lang="en-US">Purchases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_lbl" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_lbl" xml:lang="en-US">Sales</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherDispositions" xlink:label="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherDispositions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherDispositions" xlink:to="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherDispositions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherDispositions_lbl" xml:lang="en-US">Fair Value Measurement with Unobservable Inputs Reconciliation Recurring Basis Asset Other Dispositions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherDispositions_lbl" xml:lang="en-US">Other dispositions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherDispositions_lbl" xml:lang="en-US">Other dispositions that have taken place during the period in relation to assets measured at fair value and categorized within Level 3 of the fair value hierarchy.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_lbl" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_lbl" xml:lang="en-US">Transfers into Level 3</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_lbl" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_lbl" xml:lang="en-US">Transfers out of Level 3</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss" xlink:label="us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss" xlink:to="us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss_lbl" xml:lang="en-US">Available-for-sale Securities, Change in Net Unrealized Holding Gain (Loss) before Taxes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss_lbl" xml:lang="en-US">Net unrealized losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_lbl" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliations, Recurring Basis, Liability Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_lbl" xml:lang="en-US">Liabilities, Ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_lbl" xml:lang="en-US">Liabilities, Beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_lbl" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Earnings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_lbl" xml:lang="en-US">Liabilities, Included in earnings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues_lbl" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Issues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues_lbl" xml:lang="en-US">Liabilities, Issuances</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOtherDispositions" xlink:label="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOtherDispositions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOtherDispositions" xlink:to="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOtherDispositions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOtherDispositions_lbl" xml:lang="en-US">Fair Value Measurement with Unobservable Inputs Reconciliation Recurring Basis Liability Other Dispositions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOtherDispositions_lbl" xml:lang="en-US">Liabilities, Other dispositions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOtherDispositions_lbl" xml:lang="en-US">Other dispositions that have taken place during the period in relation to liabilities measured at fair value and categorized within Level 3 of the fair value hierarchy.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages" xlink:label="us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages" xlink:to="us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages_lbl" xml:lang="en-US">Mortgage Loans on Real Estate, Carrying Amount of Mortgages</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages_lbl" xml:lang="en-US">Mortgage loans, carrying value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages_lbl" xml:lang="en-US">Mortgages loans Carrying Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashCashEquivalentsAndShortTermInvestments" xlink:label="us-gaap_CashCashEquivalentsAndShortTermInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashCashEquivalentsAndShortTermInvestments" xlink:to="us-gaap_CashCashEquivalentsAndShortTermInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashCashEquivalentsAndShortTermInvestments_lbl" xml:lang="en-US">Cash, Cash Equivalents, and Short-term Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CashCashEquivalentsAndShortTermInvestments_lbl" xml:lang="en-US">Cash and short-term investments, carrying value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SeparateAccountAssetsCarryingValue" xlink:label="kcli_SeparateAccountAssetsCarryingValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SeparateAccountAssetsCarryingValue" xlink:to="kcli_SeparateAccountAssetsCarryingValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SeparateAccountAssetsCarryingValue_lbl" xml:lang="en-US">Separate Account Assets Carrying Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_SeparateAccountAssetsCarryingValue_lbl" xml:lang="en-US">Separate account assets, carrying value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SeparateAccountAssetsCarryingValue_lbl" xml:lang="en-US">The carrying value of the assets held by the Entity for the benefit of separate account policyholders.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SeparateAccountsLiabilityCarryingValue" xlink:label="kcli_SeparateAccountsLiabilityCarryingValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SeparateAccountsLiabilityCarryingValue" xlink:to="kcli_SeparateAccountsLiabilityCarryingValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SeparateAccountsLiabilityCarryingValue_lbl" xml:lang="en-US">Separate Accounts Liability Carrying Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_SeparateAccountsLiabilityCarryingValue_lbl" xml:lang="en-US">Separate account liabilities, carrying value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SeparateAccountsLiabilityCarryingValue_lbl" xml:lang="en-US">The carrying value of the liabilities held by the Entity for the benefit of separate account policyholders.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOnRealEstateFairValueOfMortgages" xlink:label="kcli_MortgageLoansOnRealEstateFairValueOfMortgages" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOnRealEstateFairValueOfMortgages" xlink:to="kcli_MortgageLoansOnRealEstateFairValueOfMortgages_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOnRealEstateFairValueOfMortgages_lbl" xml:lang="en-US">Mortgage Loans on Real Estate Fair Value of Mortgages</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOnRealEstateFairValueOfMortgages_lbl" xml:lang="en-US">Mortgage loans, fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOnRealEstateFairValueOfMortgages_lbl" xml:lang="en-US">The fair value of the outstanding balance due under the mortgage loan.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_LoansInsurancePolicyFairValue" xlink:label="kcli_LoansInsurancePolicyFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_LoansInsurancePolicyFairValue" xlink:to="kcli_LoansInsurancePolicyFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_LoansInsurancePolicyFairValue_lbl" xml:lang="en-US">Loans Insurance Policy Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_LoansInsurancePolicyFairValue_lbl" xml:lang="en-US">The fair value of the gross amount of loans made to policy and contract holders using their life insurance contracts' cash value or separate accounts as collateral.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_LoansInsurancePolicyFairValue_lbl" xml:lang="en-US">Policy loans, fair value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue" xlink:label="kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue" xlink:to="kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_lbl" xml:lang="en-US">Cash Cash Equivalents And Short Term Investments Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_lbl" xml:lang="en-US">The fair value of cash, cash equivalents and short term investments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_CashCashEquivalentsAndShortTermInvestmentsFairValue_lbl" xml:lang="en-US">Cash and short-term investments, fair value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2012/invest-2012-01-31.xsd#invest_InvestmentGeographicRegionAxis" xlink:label="invest_InvestmentGeographicRegionAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="invest_InvestmentGeographicRegionAxis" xlink:to="invest_InvestmentGeographicRegionAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="invest_InvestmentGeographicRegionAxis_lbl" xml:lang="en-US">Investment Geographic Region [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2012/invest-2012-01-31.xsd#invest_InvestmentGeographicRegionDomain" xlink:label="invest_InvestmentGeographicRegionDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="invest_InvestmentGeographicRegionDomain" xlink:to="invest_InvestmentGeographicRegionDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="invest_InvestmentGeographicRegionDomain_lbl" xml:lang="en-US">Investment Geographic Region [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="invest_InvestmentGeographicRegionDomain_lbl" xml:lang="en-US">Investment Geographic Region [Domain]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CaliforniaMember" xlink:label="kcli_CaliforniaMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_CaliforniaMember" xlink:to="kcli_CaliforniaMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CaliforniaMember_lbl" xml:lang="en-US">California [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CaliforniaMember_lbl" xml:lang="en-US">California [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_CaliforniaMember_lbl" xml:lang="en-US">California [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_TexasMember" xlink:label="kcli_TexasMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_TexasMember" xlink:to="kcli_TexasMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_TexasMember_lbl" xml:lang="en-US">Texas [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_TexasMember_lbl" xml:lang="en-US">Texas [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_TexasMember_lbl" xml:lang="en-US">Texas [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_LessThanOneYearMember" xlink:label="kcli_LessThanOneYearMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_LessThanOneYearMember" xlink:to="kcli_LessThanOneYearMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_LessThanOneYearMember_lbl" xml:lang="en-US">Less Than One Year [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_LessThanOneYearMember_lbl" xml:lang="en-US">Less Than One Year [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_LessThanOneYearMember_lbl" xml:lang="en-US">Less Than One Year [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OneYearOrMoreAndLessThanThreeYearsMember" xlink:label="kcli_OneYearOrMoreAndLessThanThreeYearsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OneYearOrMoreAndLessThanThreeYearsMember" xlink:to="kcli_OneYearOrMoreAndLessThanThreeYearsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OneYearOrMoreAndLessThanThreeYearsMember_lbl" xml:lang="en-US">One Year Or More And Less Than Three Years [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OneYearOrMoreAndLessThanThreeYearsMember_lbl" xml:lang="en-US">One Year Or More And Less Than Three Years [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_OneYearOrMoreAndLessThanThreeYearsMember_lbl" xml:lang="en-US">One Year Or More And Less Than Three Years [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ThreeYearsOrMoreMember" xlink:label="kcli_ThreeYearsOrMoreMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ThreeYearsOrMoreMember" xlink:to="kcli_ThreeYearsOrMoreMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ThreeYearsOrMoreMember_lbl" xml:lang="en-US">Three Years Or More [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ThreeYearsOrMoreMember_lbl" xml:lang="en-US">Three Years Or More [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_ThreeYearsOrMoreMember_lbl" xml:lang="en-US">Three Years Or More [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PercentageDeclinesOfAllInvestmentsInFairValueBelowAmortizedCost" xlink:label="kcli_PercentageDeclinesOfAllInvestmentsInFairValueBelowAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PercentageDeclinesOfAllInvestmentsInFairValueBelowAmortizedCost" xlink:to="kcli_PercentageDeclinesOfAllInvestmentsInFairValueBelowAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PercentageDeclinesOfAllInvestmentsInFairValueBelowAmortizedCost_lbl" xml:lang="en-US">Percentage Declines of All Investments In Fair Value Below Amortized Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PercentageDeclinesOfAllInvestmentsInFairValueBelowAmortizedCost_lbl" xml:lang="en-US">Percentage declines of all investments in fair value below amortized cost.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_PercentageDeclinesOfAllInvestmentsInFairValueBelowAmortizedCost_lbl" xml:lang="en-US">Percentage declines of all investments in fair value below amortized cost</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PercentageOfFairValueOfSelectedInvestmentsGreaterThanAmortizedCost" xlink:label="kcli_PercentageOfFairValueOfSelectedInvestmentsGreaterThanAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PercentageOfFairValueOfSelectedInvestmentsGreaterThanAmortizedCost" xlink:to="kcli_PercentageOfFairValueOfSelectedInvestmentsGreaterThanAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PercentageOfFairValueOfSelectedInvestmentsGreaterThanAmortizedCost_lbl" xml:lang="en-US">Percentage of Fair Value of Selected Investments Greater Than Amortized Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_PercentageOfFairValueOfSelectedInvestmentsGreaterThanAmortizedCost_lbl" xml:lang="en-US">Decline in fair value as a percentage of amortized cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PercentageOfFairValueOfSelectedInvestmentsGreaterThanAmortizedCost_lbl" xml:lang="en-US">Percentage of fair value of selected investments greater than amortized cost.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" xlink:label="us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" xlink:to="us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl" xml:lang="en-US">Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl" xml:lang="en-US">Number of fixed maturities and equity securities below cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2012/invest-2012-01-31.xsd#invest_InvestmentTable" xlink:label="invest_InvestmentTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="invest_InvestmentTable" xlink:to="invest_InvestmentTable_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl" xml:lang="en-US">Securities, Amortized Cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain" xlink:label="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain" xlink:to="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl" xml:lang="en-US">Available-for-sale Securities, Gross Unrealized Gains</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl" xml:lang="en-US">Securities, Gross Unrealized Gains</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1_lbl" xml:lang="en-US">Available-for-sale Securities, Gross Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1_lbl" xml:lang="en-US">Securities, Gross Unrealized Losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, within One Year, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_lbl" xml:lang="en-US">Due in one year or less, Fair value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, after One Through Five Years, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl" xml:lang="en-US">Due after one year through five years, Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, after Five Through Ten Years, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl" xml:lang="en-US">Due after five years through ten years, Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_lbl" xml:lang="en-US">Due after ten years, Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_lbl" xml:lang="en-US">Securities with variable principal payments, Fair Value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_RedeemablePreferredStockDebtMaturitiesFairValue" xlink:label="kcli_RedeemablePreferredStockDebtMaturitiesFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_RedeemablePreferredStockDebtMaturitiesFairValue" xlink:to="kcli_RedeemablePreferredStockDebtMaturitiesFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_RedeemablePreferredStockDebtMaturitiesFairValue_lbl" xml:lang="en-US">Redeemable Preferred Stock Debt Maturities Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_RedeemablePreferredStockDebtMaturitiesFairValue_lbl" xml:lang="en-US">Redeemable preferred stock debt maturities fair value.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_RedeemablePreferredStockDebtMaturitiesFairValue_lbl" xml:lang="en-US">Redeemable preferred stocks, Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, within One Year, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_lbl" xml:lang="en-US">Due in one year or less, Amortized Cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, after One Through Five Years, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl" xml:lang="en-US">Due after one year through five years, Amortized Cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, after Five Through Ten Years, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl" xml:lang="en-US">Due after five years through ten years, Amortized Cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_lbl" xml:lang="en-US">Due after ten years, Amortized Cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_lbl" xml:lang="en-US">Securities with variable principal payments, Amortized Cost</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_RedeemablePreferredStocksDebtMaturitiesAmortizedCost" xlink:label="kcli_RedeemablePreferredStocksDebtMaturitiesAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_RedeemablePreferredStocksDebtMaturitiesAmortizedCost" xlink:to="kcli_RedeemablePreferredStocksDebtMaturitiesAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_RedeemablePreferredStocksDebtMaturitiesAmortizedCost_lbl" xml:lang="en-US">Redeemable Preferred Stocks Debt Maturities Amortized Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_RedeemablePreferredStocksDebtMaturitiesAmortizedCost_lbl" xml:lang="en-US">Redeemable preferred stocks debt maturities amortized cost.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_RedeemablePreferredStocksDebtMaturitiesAmortizedCost_lbl" xml:lang="en-US">Redeemable preferred stocks, Amortized Cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl" xml:lang="en-US">Available for sale securities, Amortized Cost, total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:to="us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_lbl" xml:lang="en-US">Available-for-sale Securities, Gross Realized Gains</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_lbl" xml:lang="en-US">Gross realized gains</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_lbl" xml:lang="en-US">Sales of investment securities, gains</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:to="us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_lbl" xml:lang="en-US">Available-for-sale Securities, Gross Realized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_lbl" xml:lang="en-US">Gross realized losses</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AmortizationOfDeferredAcquisitionCostAndValueOfBusinessAcquiredNetInvestmentGainsLosses" xlink:label="kcli_AmortizationOfDeferredAcquisitionCostAndValueOfBusinessAcquiredNetInvestmentGainsLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AmortizationOfDeferredAcquisitionCostAndValueOfBusinessAcquiredNetInvestmentGainsLosses" xlink:to="kcli_AmortizationOfDeferredAcquisitionCostAndValueOfBusinessAcquiredNetInvestmentGainsLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AmortizationOfDeferredAcquisitionCostAndValueOfBusinessAcquiredNetInvestmentGainsLosses_lbl" xml:lang="en-US">Amortization of Deferred Acquisition Cost and Value of Business Acquired Net Investment Gains Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_AmortizationOfDeferredAcquisitionCostAndValueOfBusinessAcquiredNetInvestmentGainsLosses_lbl" xml:lang="en-US">Amortization of DAC and VOBA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AmortizationOfDeferredAcquisitionCostAndValueOfBusinessAcquiredNetInvestmentGainsLosses_lbl" xml:lang="en-US">Amount of amortization of deferred policy acquisition costs and value of business acquired due to realized investment gains or losses.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Sale of Available-for-sale Securities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsGrossUnrealizedLosses_lbl" xml:lang="en-US">Available for sale securities debt maturities after five through ten years gross unrealized losses.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FixedMaturitySecuritiesAvailableForSaleGrossUnrealizedLosses_lbl" xml:lang="en-US">Fixed Maturity Securities Available for Sale Gross Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FixedMaturitySecuritiesAvailableForSaleGrossUnrealizedLosses_lbl" xml:lang="en-US">Total, Gross Unrealized Losses</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateGrossUnrealizedLosses_lbl" xml:lang="en-US">Available for Sale Securities Debt Maturities Without Single Maturity Date Gross Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateGrossUnrealizedLosses_lbl" xml:lang="en-US">Available for sale securities debt maturities without single maturity date gross unrealized losses.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_RedeemablePreferredStockDebtMaturitiesGrossUnrealizedLosses_lbl" xml:lang="en-US">Redeemable preferred stocks, Gross Unrealized Losses</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AvailableForSaleFairValue_lbl" xml:lang="en-US">Available for Sale Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AvailableForSaleFairValue_lbl" xml:lang="en-US">Total fixed maturity fair value.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_AvailableForSaleFairValue_lbl" xml:lang="en-US">Total fixed maturity Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld" xlink:label="us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld_lbl" xml:lang="en-US">Credit losses on securities held at beginning of the period in accumulated other comprehensive income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsNoPreviousImpairment_lbl" xml:lang="en-US">Additions for credit losses not previously recognized in other-than- temporary impairment</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsChangeInStatus_lbl" xml:lang="en-US">Reductions for securities previously recognized in other comprehensive income because of intent to sell the security before recovery of its amortized cost basis</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, Class of Financing Receivable [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:label="us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:to="us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_lbl" xml:lang="en-US">Mortgage Loans on Real Estate, Description, Type of Property [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:label="us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:to="us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_lbl" xml:lang="en-US">Mortgage Loans On Real Estate Name Property Type [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MortgageLoansOnRealEstateNamePropertyTypeDomain_lbl" xml:lang="en-US">Mortgage Loans on Real Estate, Name, Property Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearOneMember" xlink:label="kcli_MortgageLoansOriginatedYearOneMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearOneMember" xlink:to="kcli_MortgageLoansOriginatedYearOneMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearOneMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year One [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearOneMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year One [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearOneMember_lbl" xml:lang="en-US">Prior To 2002 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearTwoMember" xlink:label="kcli_MortgageLoansOriginatedYearTwoMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearTwoMember" xlink:to="kcli_MortgageLoansOriginatedYearTwoMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearTwoMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Two [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearTwoMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Two [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearTwoMember_lbl" xml:lang="en-US">2003 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearThreeMember" xlink:label="kcli_MortgageLoansOriginatedYearThreeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearThreeMember" xlink:to="kcli_MortgageLoansOriginatedYearThreeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearThreeMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Three [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearThreeMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Three [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearThreeMember_lbl" xml:lang="en-US">2004 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearFourMember" xlink:label="kcli_MortgageLoansOriginatedYearFourMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearFourMember" xlink:to="kcli_MortgageLoansOriginatedYearFourMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearFourMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Four [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearFourMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Four [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearFourMember_lbl" xml:lang="en-US">2005 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearFiveMember" xlink:label="kcli_MortgageLoansOriginatedYearFiveMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearFiveMember" xlink:to="kcli_MortgageLoansOriginatedYearFiveMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearFiveMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Five [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearFiveMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Five [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearFiveMember_lbl" xml:lang="en-US">2006 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearSixMember" xlink:label="kcli_MortgageLoansOriginatedYearSixMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearSixMember" xlink:to="kcli_MortgageLoansOriginatedYearSixMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearSixMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Six [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearSixMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Six [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearSixMember_lbl" xml:lang="en-US">2007 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearSevenMember" xlink:label="kcli_MortgageLoansOriginatedYearSevenMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearSevenMember" xlink:to="kcli_MortgageLoansOriginatedYearSevenMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearSevenMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Seven [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearSevenMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Seven [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearSevenMember_lbl" xml:lang="en-US">2008 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearEightMember" xlink:label="kcli_MortgageLoansOriginatedYearEightMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearEightMember" xlink:to="kcli_MortgageLoansOriginatedYearEightMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearEightMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Eight [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearEightMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Eight [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearEightMember_lbl" xml:lang="en-US">2009 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearNineMember" xlink:label="kcli_MortgageLoansOriginatedYearNineMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearNineMember" xlink:to="kcli_MortgageLoansOriginatedYearNineMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearNineMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Nine [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearNineMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Nine [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearNineMember_lbl" xml:lang="en-US">2010 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearTenMember" xlink:label="kcli_MortgageLoansOriginatedYearTenMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearTenMember" xlink:to="kcli_MortgageLoansOriginatedYearTenMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearTenMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Ten [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearTenMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Ten [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOriginatedYearTenMember_lbl" xml:lang="en-US">2011 [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PacificMember" xlink:label="kcli_PacificMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PacificMember" xlink:to="kcli_PacificMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PacificMember_lbl" xml:lang="en-US">Pacific [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PacificMember_lbl" xml:lang="en-US">Pacific [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_PacificMember_lbl" xml:lang="en-US">Pacific [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_WestNorthCentralMember" xlink:label="kcli_WestNorthCentralMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_WestNorthCentralMember" xlink:to="kcli_WestNorthCentralMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_WestNorthCentralMember_lbl" xml:lang="en-US">West North Central [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_WestNorthCentralMember_lbl" xml:lang="en-US">West North Central [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_WestNorthCentralMember_lbl" xml:lang="en-US">West North Central [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_WestSouthCentralMember" xlink:label="kcli_WestSouthCentralMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_WestSouthCentralMember" xlink:to="kcli_WestSouthCentralMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_WestSouthCentralMember_lbl" xml:lang="en-US">West South Central [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_WestSouthCentralMember_lbl" xml:lang="en-US">West South Central [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_WestSouthCentralMember_lbl" xml:lang="en-US">West South Central [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MountainMember" xlink:label="kcli_MountainMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MountainMember" xlink:to="kcli_MountainMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MountainMember_lbl" xml:lang="en-US">Mountain [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MountainMember_lbl" xml:lang="en-US">Mountain [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MountainMember_lbl" xml:lang="en-US">Mountain [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SouthAtlanticMember" xlink:label="kcli_SouthAtlanticMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SouthAtlanticMember" xlink:to="kcli_SouthAtlanticMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SouthAtlanticMember_lbl" xml:lang="en-US">South Atlantic [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SouthAtlanticMember_lbl" xml:lang="en-US">South Atlantic [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_SouthAtlanticMember_lbl" xml:lang="en-US">South Atlantic [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_EastNorthCentralMember" xlink:label="kcli_EastNorthCentralMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_EastNorthCentralMember" xlink:to="kcli_EastNorthCentralMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_EastNorthCentralMember_lbl" xml:lang="en-US">East North Central [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_EastNorthCentralMember_lbl" xml:lang="en-US">East North Central [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_EastNorthCentralMember_lbl" xml:lang="en-US">East North Central [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MiddleAtlanticMember" xlink:label="kcli_MiddleAtlanticMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MiddleAtlanticMember" xlink:to="kcli_MiddleAtlanticMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MiddleAtlanticMember_lbl" xml:lang="en-US">Middle Atlantic [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MiddleAtlanticMember_lbl" xml:lang="en-US">Middle Atlantic [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MiddleAtlanticMember_lbl" xml:lang="en-US">Middle Atlantic [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_EastSouthCentralMember" xlink:label="kcli_EastSouthCentralMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_EastSouthCentralMember" xlink:to="kcli_EastSouthCentralMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_EastSouthCentralMember_lbl" xml:lang="en-US">East South Central [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_EastSouthCentralMember_lbl" xml:lang="en-US">East South Central [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_EastSouthCentralMember_lbl" xml:lang="en-US">East South Central [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MedicalMember" xlink:label="kcli_MedicalMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MedicalMember" xlink:to="kcli_MedicalMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MedicalMember_lbl" xml:lang="en-US">Medical [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MedicalMember_lbl" xml:lang="en-US">Medical  [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MedicalMember_lbl" xml:lang="en-US">Medical [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OfficeMember" xlink:label="kcli_OfficeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OfficeMember" xlink:to="kcli_OfficeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OfficeMember_lbl" xml:lang="en-US">Office [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OfficeMember_lbl" xml:lang="en-US">Office [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_OfficeMember_lbl" xml:lang="en-US">Office [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherFinancingReceivablesMember" xlink:label="kcli_OtherFinancingReceivablesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherFinancingReceivablesMember" xlink:to="kcli_OtherFinancingReceivablesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherFinancingReceivablesMember_lbl" xml:lang="en-US">Other Financing Receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherFinancingReceivablesMember_lbl" xml:lang="en-US">Other Financing Receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_OtherFinancingReceivablesMember_lbl" xml:lang="en-US">Other [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MinnesotaMember" xlink:label="kcli_MinnesotaMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MinnesotaMember" xlink:to="kcli_MinnesotaMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MinnesotaMember_lbl" xml:lang="en-US">Minnesota [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MinnesotaMember_lbl" xml:lang="en-US">Minnesota [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MinnesotaMember_lbl" xml:lang="en-US">Minnesota [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FloridaMember" xlink:label="kcli_FloridaMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FloridaMember" xlink:to="kcli_FloridaMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FloridaMember_lbl" xml:lang="en-US">Florida [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FloridaMember_lbl" xml:lang="en-US">Florida [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_FloridaMember_lbl" xml:lang="en-US">Florida [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AllOthersMember" xlink:label="kcli_AllOthersMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AllOthersMember" xlink:to="kcli_AllOthersMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AllOthersMember_lbl" xml:lang="en-US">All Others [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AllOthersMember_lbl" xml:lang="en-US">All Others [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_AllOthersMember_lbl" xml:lang="en-US">All Others [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_DueInOneYearOrLessMember" xlink:label="kcli_DueInOneYearOrLessMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_DueInOneYearOrLessMember" xlink:to="kcli_DueInOneYearOrLessMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_DueInOneYearOrLessMember_lbl" xml:lang="en-US">Due In One Year Or Less [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_DueInOneYearOrLessMember_lbl" xml:lang="en-US">Due In One Year Or Less [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_DueInOneYearOrLessMember_lbl" xml:lang="en-US">Due In One Year Or Less [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_DueAfterOneYearThroughFiveYearsMember" xlink:label="kcli_DueAfterOneYearThroughFiveYearsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_DueAfterOneYearThroughFiveYearsMember" xlink:to="kcli_DueAfterOneYearThroughFiveYearsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_DueAfterOneYearThroughFiveYearsMember_lbl" xml:lang="en-US">Due After One Year Through Five Years [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_DueAfterOneYearThroughFiveYearsMember_lbl" xml:lang="en-US">Due After One Year Through Five Years [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_DueAfterOneYearThroughFiveYearsMember_lbl" xml:lang="en-US">Due After One Year Through Five Years [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_DueAfterFiveYearsThroughTenYearsMember" xlink:label="kcli_DueAfterFiveYearsThroughTenYearsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_DueAfterFiveYearsThroughTenYearsMember" xlink:to="kcli_DueAfterFiveYearsThroughTenYearsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_DueAfterFiveYearsThroughTenYearsMember_lbl" xml:lang="en-US">Due After Five Years Through Ten Years [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_DueAfterFiveYearsThroughTenYearsMember_lbl" xml:lang="en-US">Due After Five Years Through Ten Years [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_DueAfterFiveYearsThroughTenYearsMember_lbl" xml:lang="en-US">Due After Five Years Through Ten Years [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_DueAfterTenYearsMember" xlink:label="kcli_DueAfterTenYearsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_DueAfterTenYearsMember" xlink:to="kcli_DueAfterTenYearsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_DueAfterTenYearsMember_lbl" xml:lang="en-US">Due After Ten Years [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_DueAfterTenYearsMember_lbl" xml:lang="en-US">Due After Ten Years [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_DueAfterTenYearsMember_lbl" xml:lang="en-US">Due After Ten Years [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_VariousAgentCommissionAdvancesAndOtherCommissionReceivablesMember" xlink:label="kcli_VariousAgentCommissionAdvancesAndOtherCommissionReceivablesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_VariousAgentCommissionAdvancesAndOtherCommissionReceivablesMember" xlink:to="kcli_VariousAgentCommissionAdvancesAndOtherCommissionReceivablesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_VariousAgentCommissionAdvancesAndOtherCommissionReceivablesMember_lbl" xml:lang="en-US">Various Agent Commission Advances And Other Commission Receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_VariousAgentCommissionAdvancesAndOtherCommissionReceivablesMember_lbl" xml:lang="en-US">Various agent commission advances and other commission receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_VariousAgentCommissionAdvancesAndOtherCommissionReceivablesMember_lbl" xml:lang="en-US">Various Agent Commission Advances And Other Commission Receivables [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_LoansPastDueDays" xlink:label="kcli_LoansPastDueDays" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_LoansPastDueDays" xlink:to="kcli_LoansPastDueDays_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_LoansPastDueDays_lbl" xml:lang="en-US">Loans Past Due, Days</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_LoansPastDueDays_lbl" xml:lang="en-US">Loans past due, days.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_LoansPastDueDays_lbl" xml:lang="en-US">Loans past due, Days</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ImpairmentOnForeclosureOfLoan" xlink:label="kcli_ImpairmentOnForeclosureOfLoan" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ImpairmentOnForeclosureOfLoan" xlink:to="kcli_ImpairmentOnForeclosureOfLoan_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ImpairmentOnForeclosureOfLoan_lbl" xml:lang="en-US">Impairment on Foreclosure of Loan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ImpairmentOnForeclosureOfLoan_lbl" xml:lang="en-US">Impairment on foreclosure of loan.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_ImpairmentOnForeclosureOfLoan_lbl" xml:lang="en-US">Impairment on foreclosure of loan</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AmountOfLoanRestructured" xlink:label="kcli_AmountOfLoanRestructured" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AmountOfLoanRestructured" xlink:to="kcli_AmountOfLoanRestructured_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AmountOfLoanRestructured_lbl" xml:lang="en-US">Amount of Loan Restructured</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_AmountOfLoanRestructured_lbl" xml:lang="en-US">Amount of loan restructured</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AmountOfLoanRestructured_lbl" xml:lang="en-US">A valuation allowance for financing receivables that are expected to be uncollectible.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xml:lang="en-US">End of year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xml:lang="en-US">Beginning of year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xml:lang="en-US">Allowance for doubtful accounts/ credit losses</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOnRealEstateNumberOfLoansPastDue" xlink:label="kcli_MortgageLoansOnRealEstateNumberOfLoansPastDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOnRealEstateNumberOfLoansPastDue" xlink:to="kcli_MortgageLoansOnRealEstateNumberOfLoansPastDue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOnRealEstateNumberOfLoansPastDue_lbl" xml:lang="en-US">Mortgage Loans on Real Estate Number of Loans Past Due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOnRealEstateNumberOfLoansPastDue_lbl" xml:lang="en-US">Indicates the number of mortgages past due.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOnRealEstateNumberOfLoansPastDue_lbl" xml:lang="en-US">Number of mortgage loans past due</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AgentReceivablesNetMember" xlink:label="kcli_AgentReceivablesNetMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AgentReceivablesNetMember" xlink:to="kcli_AgentReceivablesNetMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AgentReceivablesNetMember_lbl" xml:lang="en-US">Agent Receivables Net [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AgentReceivablesNetMember_lbl" xml:lang="en-US">Agent receivables, net [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AgentReceivablesNetMember_lbl" xml:lang="en-US">Agent receivables net.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansNetMember" xlink:label="kcli_MortgageLoansNetMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansNetMember" xlink:to="kcli_MortgageLoansNetMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansNetMember_lbl" xml:lang="en-US">Mortgage Loans Net [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_MortgageLoansNetMember_lbl" xml:lang="en-US">Mortgage loans, net [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansNetMember_lbl" xml:lang="en-US">Mortgage loans net.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType" xlink:label="kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType" xlink:to="kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_lbl" xml:lang="en-US">Mortgage Loans on Real Estate With Delinquent Payments Book Value by Property Type</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_lbl" xml:lang="en-US">The book value of mortgage loans with delinquent payments by property type.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MortgageLoansOnRealEstateWithDelinquentPaymentsBookValueByPropertyType_lbl" xml:lang="en-US">Book Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, 30 to 59 Days Past Due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl" xml:lang="en-US">Amount of Payments Past Due 30-59 Days</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, 60 to 89 Days Past Due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl" xml:lang="en-US">Amount of Payments Past Due 60-89 Days</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:to="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xml:lang="en-US">Amount of Payments Past Due &gt; 90 Days</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, Past Due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl" xml:lang="en-US">Amount of Payments Past Due, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl" xml:lang="en-US">Schedule of Financing Receivable, Allowance for Credit Losses [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Period Increase (Decrease)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_lbl" xml:lang="en-US">Financing receivable, allowance for credit losses, period increase (decrease)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl" xml:lang="en-US">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:to="us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_lbl" xml:lang="en-US">Variable Interest Entities by Classification of Entity [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="us-gaap_ClassificationOfVariableInterestEntityDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:to="us-gaap_ClassificationOfVariableInterestEntityDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ClassificationOfVariableInterestEntityDomain_lbl" xml:lang="en-US">Classification Of Variable Interest Entity [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ClassificationOfVariableInterestEntityDomain_lbl" xml:lang="en-US">Variable Interest Entity, Classification [Domain]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_RealEstateJointVenturesMember" xlink:label="kcli_RealEstateJointVenturesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_RealEstateJointVenturesMember" xlink:to="kcli_RealEstateJointVenturesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_RealEstateJointVenturesMember_lbl" xml:lang="en-US">Real Estate Joint Ventures [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_RealEstateJointVenturesMember_lbl" xml:lang="en-US">Real Estate Joint Ventures [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_RealEstateJointVenturesMember_lbl" xml:lang="en-US">Real Estate Joint Ventures [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AffordableHousingRealEstateJointVenturesMember" xlink:label="kcli_AffordableHousingRealEstateJointVenturesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AffordableHousingRealEstateJointVenturesMember" xlink:to="kcli_AffordableHousingRealEstateJointVenturesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AffordableHousingRealEstateJointVenturesMember_lbl" xml:lang="en-US">Affordable Housing Real Estate Joint Ventures [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AffordableHousingRealEstateJointVenturesMember_lbl" xml:lang="en-US">Affordable Housing Real Estate Joint Ventures [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_AffordableHousingRealEstateJointVenturesMember_lbl" xml:lang="en-US">Affordable Housing Real Estate Joint Ventures [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FixedRateResidentialMortgageMember" xlink:label="us-gaap_FixedRateResidentialMortgageMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FixedRateResidentialMortgageMember" xlink:to="us-gaap_FixedRateResidentialMortgageMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FixedRateResidentialMortgageMember_lbl" xml:lang="en-US">Fixed Rate Residential Mortgage [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FixedRateResidentialMortgageMember_lbl" xml:lang="en-US">Fixed-Rate Senior Mortgage Loan Commitments [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NumberOfVenturesInvestedByCompany" xlink:label="kcli_NumberOfVenturesInvestedByCompany" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NumberOfVenturesInvestedByCompany" xlink:to="kcli_NumberOfVenturesInvestedByCompany_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NumberOfVenturesInvestedByCompany_lbl" xml:lang="en-US">Number of Ventures Invested by Company</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NumberOfVenturesInvestedByCompany_lbl" xml:lang="en-US">Number of ventures invested by company.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_NumberOfVenturesInvestedByCompany_lbl" xml:lang="en-US">Number of ventures invested by company</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_LossesRealizableTaxCreditsRecaptured" xlink:label="kcli_LossesRealizableTaxCreditsRecaptured" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_LossesRealizableTaxCreditsRecaptured" xlink:to="kcli_LossesRealizableTaxCreditsRecaptured_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_LossesRealizableTaxCreditsRecaptured_lbl" xml:lang="en-US">Losses Realizable Tax Credits Recaptured</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_LossesRealizableTaxCreditsRecaptured_lbl" xml:lang="en-US">The reporting entity's amount of losses realizable if the tax credits received by the Variable Interest Entity were recaptured.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_LossesRealizableTaxCreditsRecaptured_lbl" xml:lang="en-US">Losses realizable if tax credits received were recaptured</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MaximumExposureToLossRequiredCompliancePeriod" xlink:label="kcli_MaximumExposureToLossRequiredCompliancePeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MaximumExposureToLossRequiredCompliancePeriod" xlink:to="kcli_MaximumExposureToLossRequiredCompliancePeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MaximumExposureToLossRequiredCompliancePeriod_lbl" xml:lang="en-US">Maximum Exposure to Loss Required Compliance Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MaximumExposureToLossRequiredCompliancePeriod_lbl" xml:lang="en-US">Maximum exposure to loss required compliance period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_MaximumExposureToLossRequiredCompliancePeriod_lbl" xml:lang="en-US">Maximum exposure to loss, required compliance period, years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="us-gaap_ScheduleOfVariableInterestEntitiesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:to="us-gaap_ScheduleOfVariableInterestEntitiesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfVariableInterestEntitiesTable_lbl" xml:lang="en-US">Schedule of Variable Interest Entities [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" xlink:label="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" xlink:to="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet_lbl" xml:lang="en-US">Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet_lbl" xml:lang="en-US">Carrying Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:label="us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:to="us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_lbl" xml:lang="en-US">Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_lbl" xml:lang="en-US">Maximum Exposure to Loss</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Other Comprehensive Income, Unrealized Holding Gain (Loss) on Securities Arising During Period, before Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Net unrealized gains (losses), Before-Tax Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl" xml:lang="en-US">Other Comprehensive Income, Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl" xml:lang="en-US">Net unrealized gains (losses), Net-of-Tax Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred Income Tax Expense Benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Other comprehensive income, Tax Effect</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnNonImpairedSecuritiesArisingDuringPeriodBeforeTax" xlink:label="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnNonImpairedSecuritiesArisingDuringPeriodBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnNonImpairedSecuritiesArisingDuringPeriodBeforeTax" xlink:to="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnNonImpairedSecuritiesArisingDuringPeriodBeforeTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnNonImpairedSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Non-Impaired Securities Arising During Period, before Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnNonImpairedSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Other Comprehensive Income, Net Unrealized Gain (Loss) on Non-Impaired Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnNonImpairedSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Gross appreciation or the gross loss in value of the total of unsold available-for-sale non-impaired securities during the period being reported (except when designated as a fair value hedge).</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnImpairedSecuritiesArisingDuringPeriodBeforeTax" xlink:label="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnImpairedSecuritiesArisingDuringPeriodBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnImpairedSecuritiesArisingDuringPeriodBeforeTax" xlink:to="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnImpairedSecuritiesArisingDuringPeriodBeforeTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnImpairedSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Impaired Securities Arising During Period, before Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnImpairedSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Other Comprehensive Income, Net unrealized gain (loss) on impaired securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnImpairedSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Gross appreciation or the gross loss in value of the total of unsold available-for-sale impaired securities during the period being reported (except when designated as a fair value hedge).</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:label="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:to="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation_lbl" xml:lang="en-US">Defined Benefit Plan, Accumulated Benefit Obligation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:label="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation_lbl" xml:lang="en-US">Benefit Plan Obligations, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:label="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation_lbl" xml:lang="en-US">Benefit Plan Obligations, Beginning Balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NotesPayable" xlink:label="us-gaap_NotesPayable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesPayable" xlink:to="us-gaap_NotesPayable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NotesPayable_lbl" xml:lang="en-US">Notes Payable DD</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NotesPayable_lbl" xml:lang="en-US">Notes payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:label="us-gaap_FederalHomeLoanBankStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankStock" xlink:to="us-gaap_FederalHomeLoanBankStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankStock_lbl" xml:lang="en-US">Federal Home Loan Bank Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankStock_lbl" xml:lang="en-US">Capital investment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InvestmentIncomeDividend" xlink:label="us-gaap_InvestmentIncomeDividend" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentIncomeDividend" xlink:to="us-gaap_InvestmentIncomeDividend_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentIncomeDividend_lbl" xml:lang="en-US">Investment Income, Dividend</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentIncomeDividend_lbl" xml:lang="en-US">Dividend received</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_UnsecuredRevolvingLineOfCredit" xlink:label="kcli_UnsecuredRevolvingLineOfCredit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_UnsecuredRevolvingLineOfCredit" xlink:to="kcli_UnsecuredRevolvingLineOfCredit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_UnsecuredRevolvingLineOfCredit_lbl" xml:lang="en-US">Unsecured Revolving Line of Credit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_UnsecuredRevolvingLineOfCredit_lbl" xml:lang="en-US">Unsecured revolving line of credit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_UnsecuredRevolvingLineOfCredit_lbl" xml:lang="en-US">Unsecured revolving line of credit.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LineOfCreditFacilityAmountOutstanding" xlink:label="us-gaap_LineOfCreditFacilityAmountOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityAmountOutstanding" xlink:to="us-gaap_LineOfCreditFacilityAmountOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityAmountOutstanding_lbl" xml:lang="en-US">Line of Credit Facility, Amount Outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LineOfCreditFacilityAmountOutstanding_lbl" xml:lang="en-US">Line of credit outstanding</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtInstrumentMaturityDate" xlink:label="us-gaap_DebtInstrumentMaturityDate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentMaturityDate" xlink:to="us-gaap_DebtInstrumentMaturityDate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentMaturityDate_lbl" xml:lang="en-US">Debt Instrument, Maturity Date</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentMaturityDate_lbl" xml:lang="en-US">Debt instrument maturity date</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="us-gaap_EffectiveIncomeTaxRateContinuingOperations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateContinuingOperations_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EffectiveIncomeTaxRateContinuingOperations_lbl" xml:lang="en-US">Effective Income Tax Rate, Continuing Operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_EffectiveIncomeTaxRateContinuingOperations_lbl" xml:lang="en-US">Effective income tax rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_lbl" xml:lang="en-US">Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_lbl" xml:lang="en-US">Federal income tax rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxLiabilitiesNoncurrent" xlink:label="us-gaap_DeferredTaxLiabilitiesNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilitiesNoncurrent" xlink:to="us-gaap_DeferredTaxLiabilitiesNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredTaxLiabilitiesNoncurrent_lbl" xml:lang="en-US">Deferred Tax Liabilities, Noncurrent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxLiabilitiesNoncurrent_lbl" xml:lang="en-US">Deferred tax liability</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TaxesPayableCurrent" xlink:label="us-gaap_TaxesPayableCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TaxesPayableCurrent" xlink:to="us-gaap_TaxesPayableCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TaxesPayableCurrent_lbl" xml:lang="en-US">Taxes Payable, Current</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TaxesPayableCurrent_lbl" xml:lang="en-US">Current tax liability</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SupplementaryInsuranceInformationBySegmentTable" xlink:label="us-gaap_SupplementaryInsuranceInformationBySegmentTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementaryInsuranceInformationBySegmentTable" xlink:to="us-gaap_SupplementaryInsuranceInformationBySegmentTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SupplementaryInsuranceInformationBySegmentTable_lbl" xml:lang="en-US">Supplementary Insurance Information, by Segment [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="us-gaap_StatementBusinessSegmentsAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementBusinessSegmentsAxis" xlink:to="us-gaap_StatementBusinessSegmentsAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementBusinessSegmentsAxis_lbl" xml:lang="en-US">Statement, Business Segments [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SegmentDomain" xlink:label="us-gaap_SegmentDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentDomain" xlink:to="us-gaap_SegmentDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SegmentDomain_lbl" xml:lang="en-US">Segment [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SegmentDomain_lbl" xml:lang="en-US">Segment [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IndividualPoliciesMember" xlink:label="us-gaap_IndividualPoliciesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IndividualPoliciesMember" xlink:to="us-gaap_IndividualPoliciesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IndividualPoliciesMember_lbl" xml:lang="en-US">Individual Policies [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IndividualPoliciesMember_lbl" xml:lang="en-US">Individual Insurance [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GroupPoliciesMember" xlink:label="us-gaap_GroupPoliciesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GroupPoliciesMember" xlink:to="us-gaap_GroupPoliciesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GroupPoliciesMember_lbl" xml:lang="en-US">Group Policies [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GroupPoliciesMember_lbl" xml:lang="en-US">Group Insurance [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OldAmericanMember" xlink:label="kcli_OldAmericanMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OldAmericanMember" xlink:to="kcli_OldAmericanMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OldAmericanMember_lbl" xml:lang="en-US">Old American [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OldAmericanMember_lbl" xml:lang="en-US">Old American [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_OldAmericanMember_lbl" xml:lang="en-US">Old American [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_InterCompanyEliminationsMember" xlink:label="kcli_InterCompanyEliminationsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_InterCompanyEliminationsMember" xlink:to="kcli_InterCompanyEliminationsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_InterCompanyEliminationsMember_lbl" xml:lang="en-US">Inter Company Eliminations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_InterCompanyEliminationsMember_lbl" xml:lang="en-US">Inter Company Eliminations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_InterCompanyEliminationsMember_lbl" xml:lang="en-US">Intercompany Eliminations [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:label="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:to="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_lbl" xml:lang="en-US">Schedule of Defined Benefit Plans Disclosures [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:label="us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:to="us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_lbl" xml:lang="en-US">Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:label="us-gaap_DefinedBenefitPlansDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlansDomain" xlink:to="us-gaap_DefinedBenefitPlansDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlansDomain_lbl" xml:lang="en-US">Defined Benefit Plans [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlansDomain_lbl" xml:lang="en-US">Defined Benefit Plans and Other Postretirement Benefit Plans [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:label="us-gaap_PensionPlansDefinedBenefitMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PensionPlansDefinedBenefitMember" xlink:to="us-gaap_PensionPlansDefinedBenefitMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PensionPlansDefinedBenefitMember_lbl" xml:lang="en-US">Pension Plans Defined Benefit [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PensionPlansDefinedBenefitMember_lbl" xml:lang="en-US">Pension Benefits [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherPensionPlansDefinedBenefitMember" xlink:label="us-gaap_OtherPensionPlansDefinedBenefitMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherPensionPlansDefinedBenefitMember" xlink:to="us-gaap_OtherPensionPlansDefinedBenefitMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherPensionPlansDefinedBenefitMember_lbl" xml:lang="en-US">Other Pension Plans Defined Benefit [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherPensionPlansDefinedBenefitMember_lbl" xml:lang="en-US">Other Benefits [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:label="us-gaap_DefinedBenefitPlanServiceCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanServiceCost" xlink:to="us-gaap_DefinedBenefitPlanServiceCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanServiceCost_lbl" xml:lang="en-US">Defined Benefit Plan, Service Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanServiceCost_lbl" xml:lang="en-US">Service cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:label="us-gaap_DefinedBenefitPlanInterestCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanInterestCost" xlink:to="us-gaap_DefinedBenefitPlanInterestCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanInterestCost_lbl" xml:lang="en-US">Defined Benefit Plan, Interest Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DefinedBenefitPlanInterestCost_lbl" xml:lang="en-US">Interest cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:to="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl" xml:lang="en-US">Defined Benefit Plan, Expected Return on Plan Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl" xml:lang="en-US">Expected return on plan assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:to="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_lbl" xml:lang="en-US">Defined Benefit Plan, Amortization of Gains (Losses)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_lbl" xml:lang="en-US">Amortization of Unrecognized actuarial (gain) loss</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:to="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl" xml:lang="en-US">Defined Benefit Plan, Amortization of Prior Service Cost (Credit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl" xml:lang="en-US">Amortization of Unrecognized prior service cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xml:lang="en-US">Defined Benefit Plan, Net Periodic Benefit Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xml:lang="en-US">Net periodic benefit cost (income)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xml:lang="en-US">Pre-tax benefit related to the reversal of amortization</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationAbstract" xlink:label="us-gaap_ShareBasedCompensationAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetAmountAtRiskByProductAndGuaranteeTable" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetAmountAtRiskByProductAndGuaranteeTable" xlink:to="us-gaap_NetAmountAtRiskByProductAndGuaranteeTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeTable_lbl" xml:lang="en-US">Net Amount at Risk, by Product and Guarantee [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetAmountAtRiskByProductAndGuaranteeGuaranteeTypeAxis" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeGuaranteeTypeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetAmountAtRiskByProductAndGuaranteeGuaranteeTypeAxis" xlink:to="us-gaap_NetAmountAtRiskByProductAndGuaranteeGuaranteeTypeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeGuaranteeTypeAxis_lbl" xml:lang="en-US">Net Amount at Risk by Product and Guarantee, Guarantee Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GuaranteedInsuranceBenefitTypeDomain" xlink:label="us-gaap_GuaranteedInsuranceBenefitTypeDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteedInsuranceBenefitTypeDomain" xlink:to="us-gaap_GuaranteedInsuranceBenefitTypeDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GuaranteedInsuranceBenefitTypeDomain_lbl" xml:lang="en-US">Guaranteed Insurance Benefit Type [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GuaranteedInsuranceBenefitTypeDomain_lbl" xml:lang="en-US">Guaranteed Insurance Benefit Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GuaranteedMinimumDeathBenefitMember" xlink:label="us-gaap_GuaranteedMinimumDeathBenefitMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteedMinimumDeathBenefitMember" xlink:to="us-gaap_GuaranteedMinimumDeathBenefitMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GuaranteedMinimumDeathBenefitMember_lbl" xml:lang="en-US">Guaranteed Minimum Death Benefit [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GuaranteedMinimumDeathBenefitMember_lbl" xml:lang="en-US">Guaranteed Minimum Death Benefit [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GuaranteedMinimumWithdrawalBenefitMember" xlink:label="us-gaap_GuaranteedMinimumWithdrawalBenefitMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteedMinimumWithdrawalBenefitMember" xlink:to="us-gaap_GuaranteedMinimumWithdrawalBenefitMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GuaranteedMinimumWithdrawalBenefitMember_lbl" xml:lang="en-US">Guaranteed Minimum Withdrawal Benefit [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GuaranteedMinimumWithdrawalBenefitMember_lbl" xml:lang="en-US">Guaranteed Minimum Withdrawal Benefit [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueAtAnnuitization" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueAtAnnuitization" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueAtAnnuitization" xlink:to="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueAtAnnuitization_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueAtAnnuitization_lbl" xml:lang="en-US">Net Amount at Risk by Product and Guarantee, Separate Account Value at Annuitization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueAtAnnuitization_lbl" xml:lang="en-US">Value of variable annuity separate accounts</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SeparateAccountsGuaranteeLiability" xlink:label="kcli_SeparateAccountsGuaranteeLiability" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SeparateAccountsGuaranteeLiability" xlink:to="kcli_SeparateAccountsGuaranteeLiability_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SeparateAccountsGuaranteeLiability_lbl" xml:lang="en-US">Separate Accounts Guarantee Liability</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SeparateAccountsGuaranteeLiability_lbl" xml:lang="en-US">Separate accounts guarantee liability</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SeparateAccountsGuaranteeLiability_lbl" xml:lang="en-US">Separate accounts guarantee liability where a negative value is an asset (or negative liability) and a positive value is a liability.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueInEventOfDeath" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueInEventOfDeath" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueInEventOfDeath" xlink:to="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueInEventOfDeath_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueInEventOfDeath_lbl" xml:lang="en-US">Net Amount at Risk by Product and Guarantee, Separate Account Value in Event of Death</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeSeparateAccountValueInEventOfDeath_lbl" xml:lang="en-US">Reserve held for the variable annuity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PurchaseCommitmentExcludingLongtermCommitmentTable" xlink:label="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentTable" xlink:to="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentTable_lbl" xml:lang="en-US">Purchase Commitment, Excluding Long-term Commitment [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PurchaseCommitmentExcludingLongtermCommitmentAxis" xlink:label="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentAxis" xlink:to="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentAxis_lbl" xml:lang="en-US">Purchase Commitment, Excluding Long-term Commitment [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PurchaseCommitmentExcludingLongtermCommitmentDomain" xlink:label="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentDomain" xlink:to="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentDomain_lbl" xml:lang="en-US">Purchase Commitment Excluding Longterm Commitment [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentDomain_lbl" xml:lang="en-US">Purchase Commitment, Excluding Long-term Commitment [Domain]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ConstructionToPermanentLoanMember" xlink:label="kcli_ConstructionToPermanentLoanMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ConstructionToPermanentLoanMember" xlink:to="kcli_ConstructionToPermanentLoanMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ConstructionToPermanentLoanMember_lbl" xml:lang="en-US">Construction to Permanent Loan [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_ConstructionToPermanentLoanMember_lbl" xml:lang="en-US">Construction-to-Permanent Loan [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ConstructionToPermanentLoanMember_lbl" xml:lang="en-US">Construction To Permanent Loan [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LongTermPurchaseCommitmentAmount" xlink:label="us-gaap_LongTermPurchaseCommitmentAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermPurchaseCommitmentAmount" xlink:to="us-gaap_LongTermPurchaseCommitmentAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermPurchaseCommitmentAmount_lbl" xml:lang="en-US">Long-term Purchase Commitment, Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LongTermPurchaseCommitmentAmount_lbl" xml:lang="en-US">Commitments to fund mortgage loans and other investments</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SubsequentFundingAfterBalanceSheetDate" xlink:label="kcli_SubsequentFundingAfterBalanceSheetDate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SubsequentFundingAfterBalanceSheetDate" xlink:to="kcli_SubsequentFundingAfterBalanceSheetDate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SubsequentFundingAfterBalanceSheetDate_lbl" xml:lang="en-US">Subsequent Funding after Balance Sheet Date</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SubsequentFundingAfterBalanceSheetDate_lbl" xml:lang="en-US">Amount subsequently funded after the balance sheet date.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kcli_SubsequentFundingAfterBalanceSheetDate_lbl" xml:lang="en-US">Subsequent funding of the construction-to-permanent loan after the balance sheet date</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendsPayableAmountPerShare" xlink:label="us-gaap_DividendsPayableAmountPerShare" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPayableAmountPerShare" xlink:to="us-gaap_DividendsPayableAmountPerShare_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DividendsPayableAmountPerShare_lbl" xml:lang="en-US">Dividends Payable, Amount Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DividendsPayableAmountPerShare_lbl" xml:lang="en-US">Dividend payable, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableInformationByPortfolioSegmentAxis" xlink:label="us-gaap_FinancingReceivableInformationByPortfolioSegmentAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableInformationByPortfolioSegmentAxis" xlink:to="us-gaap_FinancingReceivableInformationByPortfolioSegmentAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableInformationByPortfolioSegmentAxis_lbl" xml:lang="en-US">Financing Receivable Information by Portfolio Segment [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceDomain" xlink:label="us-gaap_FinancingReceivableAllowanceDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceDomain" xlink:to="us-gaap_FinancingReceivableAllowanceDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceDomain_lbl" xml:lang="en-US">Financing Receivable Allowance [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableAllowanceDomain_lbl" xml:lang="en-US">Financing Receivable Allowance [Domain]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AdditionsMember" xlink:label="kcli_AdditionsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AdditionsMember" xlink:to="kcli_AdditionsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AdditionsMember_lbl" xml:lang="en-US">Additions [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AdditionsMember_lbl" xml:lang="en-US">Additions [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AdditionsMember_lbl" xml:lang="en-US">Additions.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_DeductionsMember" xlink:label="kcli_DeductionsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_DeductionsMember" xlink:to="kcli_DeductionsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_DeductionsMember_lbl" xml:lang="en-US">Deductions [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_DeductionsMember_lbl" xml:lang="en-US">Deductions [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_DeductionsMember_lbl" xml:lang="en-US">Deductions.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomePolicyholderAccountBalancesNetOfTaxPeriodIncreaseDecrease" xlink:label="kcli_OtherComprehensiveIncomePolicyholderAccountBalancesNetOfTaxPeriodIncreaseDecrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomePolicyholderAccountBalancesNetOfTaxPeriodIncreaseDecrease" xlink:to="kcli_OtherComprehensiveIncomePolicyholderAccountBalancesNetOfTaxPeriodIncreaseDecrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomePolicyholderAccountBalancesNetOfTaxPeriodIncreaseDecrease_lbl" xml:lang="en-US">Other Comprehensive Income Policyholder Account Balances Net of Tax Period Increase Decrease</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomePolicyholderAccountBalancesNetOfTaxPeriodIncreaseDecrease_lbl" xml:lang="en-US">Change in policyholder account balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomePolicyholderAccountBalancesNetOfTaxPeriodIncreaseDecrease_lbl" xml:lang="en-US">Other comprehensive income policyholder account balances net of tax period increase decrease.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeFuturePolicyBenefitsNetOfTaxPeriodIncreaseDecrease" xlink:label="kcli_OtherComprehensiveIncomeFuturePolicyBenefitsNetOfTaxPeriodIncreaseDecrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeFuturePolicyBenefitsNetOfTaxPeriodIncreaseDecrease" xlink:to="kcli_OtherComprehensiveIncomeFuturePolicyBenefitsNetOfTaxPeriodIncreaseDecrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeFuturePolicyBenefitsNetOfTaxPeriodIncreaseDecrease_lbl" xml:lang="en-US">Other Comprehensive Income Future Policy Benefits Net of Tax Period Increase Decrease</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeFuturePolicyBenefitsNetOfTaxPeriodIncreaseDecrease_lbl" xml:lang="en-US">Change in future policy benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeFuturePolicyBenefitsNetOfTaxPeriodIncreaseDecrease_lbl" xml:lang="en-US">Other comprehensive income future policy benefits net of tax period increase decrease.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PurchasesAbstract" xlink:label="kcli_PurchasesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PurchasesAbstract" xlink:to="kcli_PurchasesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PurchasesAbstract_lbl" xml:lang="en-US">Purchases [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PurchasesAbstract_lbl" xml:lang="en-US">Purchases:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PurchasesAbstract_lbl" xml:lang="en-US">Purchases.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_SupplementalCashFlowInformationAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_SupplementalCashFlowInformationAbstract" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_SupplementalCashFlowInformationAbstract" xml:lang="en-US">Supplemental disclosure of cash flow information:</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CashPaidDuringPeriodForAbstract" xlink:label="kcli_CashPaidDuringPeriodForAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_CashPaidDuringPeriodForAbstract" xlink:to="kcli_CashPaidDuringPeriodForAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CashPaidDuringPeriodForAbstract_lbl" xml:lang="en-US">Cash Paid During Period for [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CashPaidDuringPeriodForAbstract_lbl" xml:lang="en-US">Cash paid during the period for.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_CashPaidDuringPeriodForAbstract_lbl" xml:lang="en-US">Cash paid during the period for:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="us-gaap_IncomeTaxesPaid" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesPaid" xlink:to="lab_IncomeTaxesPaid" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_IncomeTaxesPaid" xml:lang="en-US">Income Taxes Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_IncomeTaxesPaid" xml:lang="en-US">Income taxes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:label="us-gaap_AccountingChangesAndErrorCorrectionsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:to="lab_AccountingChangesAndErrorCorrectionsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AccountingChangesAndErrorCorrectionsAbstract" xml:lang="en-US">Change in accounting principle [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ImmaterialCorrectionOfErrorsPolicyTextBlock" xlink:label="kcli_ImmaterialCorrectionOfErrorsPolicyTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ImmaterialCorrectionOfErrorsPolicyTextBlock" xlink:to="kcli_ImmaterialCorrectionOfErrorsPolicyTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ImmaterialCorrectionOfErrorsPolicyTextBlock_lbl" xml:lang="en-US">Immaterial Correction of Errors [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ImmaterialCorrectionOfErrorsPolicyTextBlock_lbl" xml:lang="en-US">Immaterial correction of errors.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ImmaterialCorrectionOfErrorsPolicyTextBlock_lbl" xml:lang="en-US">Immaterial Correction of Errors</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NatureOfOperationsAndSignificantAccountingPoliciesTextualAbstract" xlink:label="kcli_NatureOfOperationsAndSignificantAccountingPoliciesTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NatureOfOperationsAndSignificantAccountingPoliciesTextualAbstract" xlink:to="kcli_NatureOfOperationsAndSignificantAccountingPoliciesTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NatureOfOperationsAndSignificantAccountingPoliciesTextualAbstract_lbl" xml:lang="en-US">Nature of Operations and Significant Accounting Policies (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NatureOfOperationsAndSignificantAccountingPoliciesTextualAbstract_lbl" xml:lang="en-US">Nature of Operations and Significant Accounting Policies.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NatureOfOperationsAndSignificantAccountingPoliciesTextualAbstract_lbl" xml:lang="en-US">Nature of Operations and Significant Accounting Policies (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAbstract" xlink:label="kcli_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAbstract" xlink:to="kcli_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAbstract_lbl" xml:lang="en-US">Schedule of Amortized Cost and Fair Value of Securities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAbstract_lbl" xml:lang="en-US">Schedule of amortized cost and fair value of securities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAbstract_lbl" xml:lang="en-US">Schedule of Amortized Cost and Fair Value of Securities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xml:lang="en-US">Available-for-sale Securities, Debt Maturities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xml:lang="en-US">Schedule of Distribution of Maturities for Fixed Maturity Securities Available for Sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xml:lang="en-US">Schedule of Fixed Maturity and Equity Security Investments Available for Sale with Unrealized Losses</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AvailableForSaleSecuritiesDebtMaturitiesInOneYearOrLessGrossUnrealizedLosses" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesInOneYearOrLessGrossUnrealizedLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AvailableForSaleSecuritiesDebtMaturitiesInOneYearOrLessGrossUnrealizedLosses" xlink:to="kcli_AvailableForSaleSecuritiesDebtMaturitiesInOneYearOrLessGrossUnrealizedLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesInOneYearOrLessGrossUnrealizedLosses_lbl" xml:lang="en-US">Available for Sale Securities Debt Maturities in One Year or Less Gross Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesInOneYearOrLessGrossUnrealizedLosses_lbl" xml:lang="en-US">Due in one year or less, Gross Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesInOneYearOrLessGrossUnrealizedLosses_lbl" xml:lang="en-US">Available for sale securities debt maturities in one year or less gross unrealized losses.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossGainsResultingFromAbstract" xlink:label="kcli_GrossGainsResultingFromAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossGainsResultingFromAbstract" xlink:to="kcli_GrossGainsResultingFromAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossGainsResultingFromAbstract_lbl" xml:lang="en-US">Gross Gains Resulting From [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossGainsResultingFromAbstract_lbl" xml:lang="en-US">Gross gains resulting from.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_GrossGainsResultingFromAbstract_lbl" xml:lang="en-US">Gross gains resulting from</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossLossesResultingFromAbstract" xlink:label="kcli_GrossLossesResultingFromAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossLossesResultingFromAbstract" xlink:to="kcli_GrossLossesResultingFromAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossLossesResultingFromAbstract_lbl" xml:lang="en-US">Gross Losses Resulting from [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_GrossLossesResultingFromAbstract_lbl" xml:lang="en-US">Gross losses resulting from</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossLossesResultingFromAbstract_lbl" xml:lang="en-US">Gross losses resulting from.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SalesOfRealEstateResultingFromGrossGains" xlink:label="kcli_SalesOfRealEstateResultingFromGrossGains" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SalesOfRealEstateResultingFromGrossGains" xlink:to="kcli_SalesOfRealEstateResultingFromGrossGains_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SalesOfRealEstateResultingFromGrossGains_lbl" xml:lang="en-US">Sales of Real Estate Resulting from Gross Gains</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SalesOfRealEstateResultingFromGrossGains_lbl" xml:lang="en-US">Sales of real estate, resulting from gross gains.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SalesOfRealEstateResultingFromGrossGains_lbl" xml:lang="en-US">Sales of real estate</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ChangeInAllowanceForPotentialFutureLossesOnMortgageLoans" xlink:label="kcli_ChangeInAllowanceForPotentialFutureLossesOnMortgageLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ChangeInAllowanceForPotentialFutureLossesOnMortgageLoans" xlink:to="kcli_ChangeInAllowanceForPotentialFutureLossesOnMortgageLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ChangeInAllowanceForPotentialFutureLossesOnMortgageLoans_lbl" xml:lang="en-US">Change in Allowance for Potential Future Losses on Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ChangeInAllowanceForPotentialFutureLossesOnMortgageLoans_lbl" xml:lang="en-US">Change in allowance for potential future losses on mortgage loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ChangeInAllowanceForPotentialFutureLossesOnMortgageLoans_lbl" xml:lang="en-US">Change in allowance for potential future losses on mortgage loans</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ScheduleOfAmountOfMortgageLoansAbstract" xlink:label="kcli_ScheduleOfAmountOfMortgageLoansAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ScheduleOfAmountOfMortgageLoansAbstract" xlink:to="kcli_ScheduleOfAmountOfMortgageLoansAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfAmountOfMortgageLoansAbstract_lbl" xml:lang="en-US">Schedule of Amount of Mortgage Loans [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfAmountOfMortgageLoansAbstract_lbl" xml:lang="en-US">Schedule of amount of mortgage loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ScheduleOfAmountOfMortgageLoansAbstract_lbl" xml:lang="en-US">Schedule of amount of mortgage loans</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOriginatedYearElevenMember" xlink:label="kcli_MortgageLoansOriginatedYearElevenMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOriginatedYearElevenMember" xlink:to="kcli_MortgageLoansOriginatedYearElevenMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOriginatedYearElevenMember_lbl" xml:lang="en-US">Mortgage Loans Originated Year Eleven [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_MortgageLoansOriginatedYearElevenMember_lbl" xml:lang="en-US">2012 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOriginatedYearElevenMember_lbl" xml:lang="en-US">Mortgage loans originated year eleven.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_InvestmentsTextualAbstract" xlink:label="kcli_InvestmentsTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_InvestmentsTextualAbstract" xlink:to="kcli_InvestmentsTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_InvestmentsTextualAbstract_lbl" xml:lang="en-US">Investments (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_InvestmentsTextualAbstract_lbl" xml:lang="en-US">Investments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_InvestmentsTextualAbstract_lbl" xml:lang="en-US">Investments (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_InvestmentsAdditionalTextualAbstract" xlink:label="kcli_InvestmentsAdditionalTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_InvestmentsAdditionalTextualAbstract" xlink:to="kcli_InvestmentsAdditionalTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_InvestmentsAdditionalTextualAbstract_lbl" xml:lang="en-US">Investments (Additional Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_InvestmentsAdditionalTextualAbstract_lbl" xml:lang="en-US">Investments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_InvestmentsAdditionalTextualAbstract_lbl" xml:lang="en-US">Investments (Additional Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PercentageOfInvestedAssetsInCommercialMortgageLoans" xlink:label="kcli_PercentageOfInvestedAssetsInCommercialMortgageLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PercentageOfInvestedAssetsInCommercialMortgageLoans" xlink:to="kcli_PercentageOfInvestedAssetsInCommercialMortgageLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PercentageOfInvestedAssetsInCommercialMortgageLoans_lbl" xml:lang="en-US">Percentage of Invested Assets in Commercial Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PercentageOfInvestedAssetsInCommercialMortgageLoans_lbl" xml:lang="en-US">Percentage of invested assets in commercial mortgage loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PercentageOfInvestedAssetsInCommercialMortgageLoans_lbl" xml:lang="en-US">Percentage of invested assets in commercial mortgage loans</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MaximumPeriodOfCommitsToFundCommercialMortgageLoans" xlink:label="kcli_MaximumPeriodOfCommitsToFundCommercialMortgageLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MaximumPeriodOfCommitsToFundCommercialMortgageLoans" xlink:to="kcli_MaximumPeriodOfCommitsToFundCommercialMortgageLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MaximumPeriodOfCommitsToFundCommercialMortgageLoans_lbl" xml:lang="en-US">Maximum Period of Commits to Fund Commercial Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MaximumPeriodOfCommitsToFundCommercialMortgageLoans_lbl" xml:lang="en-US">Maximum period of commits to fund commercial mortgage loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_MaximumPeriodOfCommitsToFundCommercialMortgageLoans_lbl" xml:lang="en-US">Maximum period of commits to fund commercial mortgage loans</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ConstructionToPermanentLoan" xlink:label="kcli_ConstructionToPermanentLoan" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ConstructionToPermanentLoan" xlink:to="kcli_ConstructionToPermanentLoan_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ConstructionToPermanentLoan_lbl" xml:lang="en-US">Construction to Permanent Loan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ConstructionToPermanentLoan_lbl" xml:lang="en-US">Construction to permanent loan.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ConstructionToPermanentLoan_lbl" xml:lang="en-US">Construction to permanent loan</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ConstructionToPermanentLoanDisbursed" xlink:label="kcli_ConstructionToPermanentLoanDisbursed" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ConstructionToPermanentLoanDisbursed" xlink:to="kcli_ConstructionToPermanentLoanDisbursed_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ConstructionToPermanentLoanDisbursed_lbl" xml:lang="en-US">Construction to Permanent Loan Disbursed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ConstructionToPermanentLoanDisbursed_lbl" xml:lang="en-US">Construction to permanent loan disbursed.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ConstructionToPermanentLoanDisbursed_lbl" xml:lang="en-US">Construction to permanent loan disbursed</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ScheduleOfFairValueOfFixedMaturitiesAndEquitySecuritiesAbstract" xlink:label="kcli_ScheduleOfFairValueOfFixedMaturitiesAndEquitySecuritiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ScheduleOfFairValueOfFixedMaturitiesAndEquitySecuritiesAbstract" xlink:to="kcli_ScheduleOfFairValueOfFixedMaturitiesAndEquitySecuritiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfFairValueOfFixedMaturitiesAndEquitySecuritiesAbstract_lbl" xml:lang="en-US">Schedule of Fair Value of Fixed Maturities and Equity Securities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfFairValueOfFixedMaturitiesAndEquitySecuritiesAbstract_lbl" xml:lang="en-US">Schedule of fair value of fixed maturities and equity securities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ScheduleOfFairValueOfFixedMaturitiesAndEquitySecuritiesAbstract_lbl" xml:lang="en-US">Schedule of Fair Value of Fixed Maturities and Equity Securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlementsAbstract" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlementsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlementsAbstract" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlementsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlementsAbstract" xml:lang="en-US">Purchases, issuances, sales and other dispositions:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlementsAbstract" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, Sales, Issuances, Settlements [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchasesSalesIssuancesSettlementsAbstract" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchasesSalesIssuancesSettlementsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchasesSalesIssuancesSettlementsAbstract" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchasesSalesIssuancesSettlementsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchasesSalesIssuancesSettlementsAbstract" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Purchases, Sales, Issuances, Settlements [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchasesSalesIssuancesSettlementsAbstract" xml:lang="en-US">Purchases, issuances, sales and other dispositions:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Issues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" xml:lang="en-US">Issuances</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xml:lang="en-US">Liabilities, Included in other comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Other Comprehensive Income (Loss)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases" xml:lang="en-US">Liabilities, Purchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Purchases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySales" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySales" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySales" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySales" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySales" xml:lang="en-US">Liabilities, Sales</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySales" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Sales</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersIntoLevel3" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersIntoLevel3" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersIntoLevel3" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersIntoLevel3" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersIntoLevel3" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Liability, Transfers Into Level 3</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersIntoLevel3" xml:lang="en-US">Liabilities, Transfers into Level 3</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersOutOfLevel3" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersOutOfLevel3" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersOutOfLevel3" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersOutOfLevel3" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersOutOfLevel3" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Liability, Transfers out of Level 3</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationLiabilityTransfersOutOfLevel3" xml:lang="en-US">Liabilities, Transfers out of Level 3</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherPolicyholderFundsCarryingValue" xlink:label="kcli_OtherPolicyholderFundsCarryingValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherPolicyholderFundsCarryingValue" xlink:to="kcli_OtherPolicyholderFundsCarryingValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherPolicyholderFundsCarryingValue_lbl" xml:lang="en-US">Other Policyholder Funds Carrying Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_OtherPolicyholderFundsCarryingValue_lbl" xml:lang="en-US">Other policyholder funds - GMWB, carrying value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherPolicyholderFundsCarryingValue_lbl" xml:lang="en-US">Other policyholder funds carrying value.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherPolicyholderFundsFairValue" xlink:label="kcli_OtherPolicyholderFundsFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherPolicyholderFundsFairValue" xlink:to="kcli_OtherPolicyholderFundsFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherPolicyholderFundsFairValue_lbl" xml:lang="en-US">Other Policyholder Funds Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_OtherPolicyholderFundsFairValue_lbl" xml:lang="en-US">Other policyholder funds - GMWB, fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherPolicyholderFundsFairValue_lbl" xml:lang="en-US">Other policyholder funds fair value.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValueMeasurementsTextualAbstract" xlink:label="kcli_FairValueMeasurementsTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValueMeasurementsTextualAbstract" xlink:to="kcli_FairValueMeasurementsTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValueMeasurementsTextualAbstract_lbl" xml:lang="en-US">Fair Value Measurements (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValueMeasurementsTextualAbstract_lbl" xml:lang="en-US">Fair value measurements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FairValueMeasurementsTextualAbstract_lbl" xml:lang="en-US">Fair Value Measurements (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PercentageOfCarryingValueOfInvestmentsFromExternalPricingServices" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromExternalPricingServices" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PercentageOfCarryingValueOfInvestmentsFromExternalPricingServices" xlink:to="kcli_PercentageOfCarryingValueOfInvestmentsFromExternalPricingServices_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromExternalPricingServices_lbl" xml:lang="en-US">Percentage of Carrying Value of Investments from External Pricing Services</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromExternalPricingServices_lbl" xml:lang="en-US">Percentage of carrying value of investments from external pricing services.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromExternalPricingServices_lbl" xml:lang="en-US">Percentage of carrying value of investments from external pricing services</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PercentageOfCarryingValueOfInvestmentsFromBrokers" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromBrokers" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PercentageOfCarryingValueOfInvestmentsFromBrokers" xlink:to="kcli_PercentageOfCarryingValueOfInvestmentsFromBrokers_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromBrokers_lbl" xml:lang="en-US">Percentage of Carrying Value of Investments from Brokers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromBrokers_lbl" xml:lang="en-US">Percentage of carrying value of investments from brokers.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromBrokers_lbl" xml:lang="en-US">Percentage of carrying value of investments from brokers</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PercentageOfCarryingValueOfInvestmentsFromInternalMatricesAndCalculations" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromInternalMatricesAndCalculations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PercentageOfCarryingValueOfInvestmentsFromInternalMatricesAndCalculations" xlink:to="kcli_PercentageOfCarryingValueOfInvestmentsFromInternalMatricesAndCalculations_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromInternalMatricesAndCalculations_lbl" xml:lang="en-US">Percentage of Carrying Value of Investments from Internal Matrices and Calculations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromInternalMatricesAndCalculations_lbl" xml:lang="en-US">Percentage of carrying value of investments from internal matrices and calculations.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PercentageOfCarryingValueOfInvestmentsFromInternalMatricesAndCalculations_lbl" xml:lang="en-US">Percentage of carrying value of investments from internal matrices and calculations</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValueMeasurementsAdditionalTextualAbstract" xlink:label="kcli_FairValueMeasurementsAdditionalTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValueMeasurementsAdditionalTextualAbstract" xlink:to="kcli_FairValueMeasurementsAdditionalTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValueMeasurementsAdditionalTextualAbstract_lbl" xml:lang="en-US">Fair Value Measurements (Additional Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValueMeasurementsAdditionalTextualAbstract_lbl" xml:lang="en-US">Fair value measurements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FairValueMeasurementsAdditionalTextualAbstract_lbl" xml:lang="en-US">Fair Value Measurements (Additional Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesRollForward" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FinancingReceivableAllowanceForCreditLossesRollForward" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses [Roll Forward]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_FinancingReceivableAllowanceForCreditLossesRollForward" xml:lang="en-US">Schedule of activity of allowance for potential future losses on mortgage loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FinancingReceivableAllowanceForCreditLossesRollForward" xml:lang="en-US">Schedule of activity of allowance for uncollectible accounts on agent receivables</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_UnlikelyToBeCollectedFinancingReceivableMember" xlink:label="us-gaap_UnlikelyToBeCollectedFinancingReceivableMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnlikelyToBeCollectedFinancingReceivableMember" xlink:to="lab_UnlikelyToBeCollectedFinancingReceivableMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_UnlikelyToBeCollectedFinancingReceivableMember" xml:lang="en-US">Unlikely to be Collected Financing Receivable [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_UnlikelyToBeCollectedFinancingReceivableMember" xml:lang="en-US">Uncollectible receivables [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:to="lab_FinancingReceivableCollectivelyEvaluatedForImpairment" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FinancingReceivableCollectivelyEvaluatedForImpairment" xml:lang="en-US">Financing Receivable, Collectively Evaluated for Impairment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FinancingReceivableCollectivelyEvaluatedForImpairment" xml:lang="en-US">Mortgage loans collectively evaluated for impairment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:to="lab_FinancingReceivableIndividuallyEvaluatedForImpairment" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FinancingReceivableIndividuallyEvaluatedForImpairment" xml:lang="en-US">Financing Receivable, Individually Evaluated for Impairment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FinancingReceivableIndividuallyEvaluatedForImpairment" xml:lang="en-US">Mortgage loans individually evaluated for impairment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:to="lab_ImpairedFinancingReceivableRelatedAllowance" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ImpairedFinancingReceivableRelatedAllowance" xml:lang="en-US">Impaired Financing Receivable, Related Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_ImpairedFinancingReceivableRelatedAllowance" xml:lang="en-US">Allowance for potential future losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis" xlink:label="us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis" xlink:to="lab_FinancingReceivableInformationByCreditQualityIndicatorAxis" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableByCreditQualityIndicatorDomain" xlink:label="us-gaap_FinancingReceivableByCreditQualityIndicatorDomain" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FinancingReceivableByCreditQualityIndicatorDomain" xml:lang="en-US">Financing Receivable, by Credit Quality Indicator [Domain]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_VariableInterestEntitiesTextualAbstract" xlink:label="kcli_VariableInterestEntitiesTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_VariableInterestEntitiesTextualAbstract" xlink:to="kcli_VariableInterestEntitiesTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_VariableInterestEntitiesTextualAbstract_lbl" xml:lang="en-US">Variable Interest Entities (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_VariableInterestEntitiesTextualAbstract_lbl" xml:lang="en-US">Variable interest entities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_VariableInterestEntitiesTextualAbstract_lbl" xml:lang="en-US">Variable interest entities (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_VariableInterestEntitiesAdditionalTextualAbstract" xlink:label="kcli_VariableInterestEntitiesAdditionalTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_VariableInterestEntitiesAdditionalTextualAbstract" xlink:to="kcli_VariableInterestEntitiesAdditionalTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_VariableInterestEntitiesAdditionalTextualAbstract_lbl" xml:lang="en-US">Variable Interest Entities (Additional Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_VariableInterestEntitiesAdditionalTextualAbstract_lbl" xml:lang="en-US">Variable interest entities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_VariableInterestEntitiesAdditionalTextualAbstract_lbl" xml:lang="en-US">Variable Interest Entities (Additional Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ChangeInAccountingPrincipleTextualAbstract" xlink:label="kcli_ChangeInAccountingPrincipleTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ChangeInAccountingPrincipleTextualAbstract" xlink:to="kcli_ChangeInAccountingPrincipleTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ChangeInAccountingPrincipleTextualAbstract_lbl" xml:lang="en-US">Change in Accounting Principle (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ChangeInAccountingPrincipleTextualAbstract_lbl" xml:lang="en-US">Change in Accounting Principle (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ChangeInAccountingPrincipleTextualAbstract_lbl" xml:lang="en-US">Change in accounting principle.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SeparateAccountsDisclosureTextualAbstract" xlink:label="kcli_SeparateAccountsDisclosureTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SeparateAccountsDisclosureTextualAbstract" xlink:to="kcli_SeparateAccountsDisclosureTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SeparateAccountsDisclosureTextualAbstract_lbl" xml:lang="en-US">Separate Accounts Disclosure (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SeparateAccountsDisclosureTextualAbstract_lbl" xml:lang="en-US">Separate accounts disclosure.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SeparateAccountsDisclosureTextualAbstract_lbl" xml:lang="en-US">Separate accounts disclosure (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NotesPayableTextualAbstract" xlink:label="kcli_NotesPayableTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NotesPayableTextualAbstract" xlink:to="kcli_NotesPayableTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NotesPayableTextualAbstract_lbl" xml:lang="en-US">Notes Payable (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NotesPayableTextualAbstract_lbl" xml:lang="en-US">Notes payable.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NotesPayableTextualAbstract_lbl" xml:lang="en-US">Notes payable (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:label="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xml:lang="en-US">Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xml:lang="en-US">Reconciliation of the federal income tax rate to the Company's effective income tax rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:label="us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:to="lab_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xml:lang="en-US">Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xml:lang="en-US">Reconciliation of the federal income tax rate to the Company's effective income tax rate</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_IncomeTaxesTextualAbstract" xlink:label="kcli_IncomeTaxesTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_IncomeTaxesTextualAbstract" xlink:to="kcli_IncomeTaxesTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_IncomeTaxesTextualAbstract_lbl" xml:lang="en-US">Income Taxes (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_IncomeTaxesTextualAbstract_lbl" xml:lang="en-US">Income taxes.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_IncomeTaxesTextualAbstract_lbl" xml:lang="en-US">Income Taxes (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:to="lab_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xml:lang="en-US">Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xml:lang="en-US">Components of net periodic benefit cost</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PensionsAndOtherPostretirementBenefitsTextualAbstract" xlink:label="kcli_PensionsAndOtherPostretirementBenefitsTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PensionsAndOtherPostretirementBenefitsTextualAbstract" xlink:to="kcli_PensionsAndOtherPostretirementBenefitsTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PensionsAndOtherPostretirementBenefitsTextualAbstract_lbl" xml:lang="en-US">Pensions and Other Postretirement Benefits (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PensionsAndOtherPostretirementBenefitsTextualAbstract_lbl" xml:lang="en-US">Pensions and other postretirement benefits.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PensionsAndOtherPostretirementBenefitsTextualAbstract_lbl" xml:lang="en-US">Pensions and Other Postretirement Benefits (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AverageRemainingLifeExpectancyOfPlanParticipants" xlink:label="kcli_AverageRemainingLifeExpectancyOfPlanParticipants" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AverageRemainingLifeExpectancyOfPlanParticipants" xlink:to="kcli_AverageRemainingLifeExpectancyOfPlanParticipants_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AverageRemainingLifeExpectancyOfPlanParticipants_lbl" xml:lang="en-US">Average Remaining Life Expectancy of Plan Participants</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AverageRemainingLifeExpectancyOfPlanParticipants_lbl" xml:lang="en-US">Average remaining life expectancy of plan participants.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AverageRemainingLifeExpectancyOfPlanParticipants_lbl" xml:lang="en-US">Average remaining life expectancy of plan participants</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ShareBasedPaymentTextualAbstract" xlink:label="kcli_ShareBasedPaymentTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ShareBasedPaymentTextualAbstract" xlink:to="kcli_ShareBasedPaymentTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ShareBasedPaymentTextualAbstract_lbl" xml:lang="en-US">Share Based Payment (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ShareBasedPaymentTextualAbstract_lbl" xml:lang="en-US">Share based payment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ShareBasedPaymentTextualAbstract_lbl" xml:lang="en-US">Share Based Payment (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:to="lab_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US">Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Tax, [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US">Net unrealized gains (losses) arising during the year</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ReclassificationAdjustmentsAbstract" xlink:label="kcli_ReclassificationAdjustmentsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ReclassificationAdjustmentsAbstract" xlink:to="kcli_ReclassificationAdjustmentsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ReclassificationAdjustmentsAbstract_lbl" xml:lang="en-US">Reclassification Adjustments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ReclassificationAdjustmentsAbstract_lbl" xml:lang="en-US">Less reclassification adjustments:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ReclassificationAdjustmentsAbstract_lbl" xml:lang="en-US">Reclassification Adjustments.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossTaxPortionAttributableToParent" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossTaxPortionAttributableToParent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossTaxPortionAttributableToParent" xlink:to="lab_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossTaxPortionAttributableToParent" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossTaxPortionAttributableToParent" xml:lang="en-US">Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossTaxPortionAttributableToParent" xml:lang="en-US">Other-than-temporary impairment losses recognized in other comprehensive income, Tax (Expense) or Benefit</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xml:lang="en-US">Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xml:lang="en-US">Net unrealized gains (losses), Tax (Expense) or Benefit</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaTaxExpense" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaTaxExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaTaxExpense" xlink:to="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaTaxExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaTaxExpense_lbl" xml:lang="en-US">Other Comprehensive Income Loss Effect on DAC and VOBA Tax Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaTaxExpense_lbl" xml:lang="en-US">Effect on DAC and VOBA, Tax (Expense) or Benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaTaxExpense_lbl" xml:lang="en-US">Other comprehensive income loss effect on DAC and VOBA tax expense.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaNetOfTax" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaNetOfTax" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaNetOfTax_lbl" xml:lang="en-US">Other Comprehensive Income Loss Effect on DAC and VOBA Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaNetOfTax_lbl" xml:lang="en-US">Effect on DAC and VOBA, Net-of-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaNetOfTax_lbl" xml:lang="en-US">Other comprehensive income loss effect on DAC and VOBA net of tax.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsBeforeTaxAmount" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsBeforeTaxAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsBeforeTaxAmount" xlink:to="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsBeforeTaxAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsBeforeTaxAmount_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion of Future Policy Benefits before Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsBeforeTaxAmount_lbl" xml:lang="en-US">Future policy benefits, Before-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsBeforeTaxAmount_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion Of Future Policy Benefits Before Tax Amount.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsTaxExpense" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsTaxExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsTaxExpense" xlink:to="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsTaxExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsTaxExpense_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion of Future Policy Benefits Tax Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsTaxExpense_lbl" xml:lang="en-US">Future policy benefits, Tax (Expense) or Benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsTaxExpense_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion Of Future Policy Benefits Tax Expense.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsNetOfTax" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsNetOfTax" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsNetOfTax_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion of Future Policy Benefits Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsNetOfTax_lbl" xml:lang="en-US">Future policy benefits, Net-of-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefitsNetOfTax_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion Of Future Policy Benefits Net Of Tax.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherComprehensiveIncomeLossTax" xml:lang="en-US">Other Comprehensive Income (Loss), Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_OtherComprehensiveIncomeLossTax" xml:lang="en-US">Other comprehensive income, Tax (Expense) or Benefit</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_EarningsPerShareTextualAbstract" xlink:label="kcli_EarningsPerShareTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_EarningsPerShareTextualAbstract" xlink:to="kcli_EarningsPerShareTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_EarningsPerShareTextualAbstract_lbl" xml:lang="en-US">Earnings Per Share (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_EarningsPerShareTextualAbstract_lbl" xml:lang="en-US">Earnings per share (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_EarningsPerShareTextualAbstract_lbl" xml:lang="en-US">Earnings per share.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SegmentInformationTextualAbstract" xlink:label="kcli_SegmentInformationTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SegmentInformationTextualAbstract" xlink:to="kcli_SegmentInformationTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SegmentInformationTextualAbstract_lbl" xml:lang="en-US">Segment Information (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SegmentInformationTextualAbstract_lbl" xml:lang="en-US">Segment information.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SegmentInformationTextualAbstract_lbl" xml:lang="en-US">Segment information (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CommitmentsTextualAbstract" xlink:label="kcli_CommitmentsTextualAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CommitmentsTextualAbstract_lbl" xml:lang="en-US">Commitments (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CommitmentsTextualAbstract_lbl" xml:lang="en-US">Commitments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_CommitmentsTextualAbstract_lbl" xml:lang="en-US">Commitments (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CommitmentsAdditionalTextualAbstract" xlink:label="kcli_CommitmentsAdditionalTextualAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CommitmentsAdditionalTextualAbstract_lbl" xml:lang="en-US">Commitments (Additional Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CommitmentsAdditionalTextualAbstract_lbl" xml:lang="en-US">Commitments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_CommitmentsAdditionalTextualAbstract_lbl" xml:lang="en-US">Commitments (Additional Textual) [Abstract]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_CommitmentsToOriginateMortgageLoans" xlink:to="kcli_CommitmentsToOriginateMortgageLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CommitmentsToOriginateMortgageLoans_lbl" xml:lang="en-US">Commitments to Originate Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CommitmentsToOriginateMortgageLoans_lbl" xml:lang="en-US">Commitments to originate mortgage loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_CommitmentsToOriginateMortgageLoans_lbl" xml:lang="en-US">Commitments to originate mortgage loans</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SubsequentEventsTextualAbstract" xlink:to="kcli_SubsequentEventsTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SubsequentEventsTextualAbstract_lbl" xml:lang="en-US">Subsequent Events (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SubsequentEventsTextualAbstract_lbl" xml:lang="en-US">Subsequent events.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SubsequentEventsTextualAbstract_lbl" xml:lang="en-US">Subsequent Events (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2" xlink:label="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2" xml:lang="en-US">Less Than 12 Months, Unrealized Losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2" xlink:label="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2" xlink:to="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2" xml:lang="en-US">12 Months or Longer, Unrealized Losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2" xlink:label="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2" xlink:to="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2" xml:lang="en-US">Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_OtherComprehensiveIncomeLossNetOfTax" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Other Comprehensive Income (Loss), Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_OtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Other comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_OtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Other comprehensive income, Net-of-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_OtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Other comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:to="lab_OtherComprehensiveIncomeLossBeforeTax" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherComprehensiveIncomeLossBeforeTax" xml:lang="en-US">Other Comprehensive Income (Loss), before Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_OtherComprehensiveIncomeLossBeforeTax" xml:lang="en-US">Other comprehensive income, Before-Tax Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:to="lab_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xml:lang="en-US">Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xml:lang="en-US">Change in net unrealized gains on securities available for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:to="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xml:lang="en-US">Included in earnings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Other Comprehensive Income (Loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xml:lang="en-US">Included in other comprehensive income</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_DistributionOfMaturitiesForFixedMaturitySecuritiesAvailableForSaleWithUnrealizedLossesAbstract" xlink:label="kcli_DistributionOfMaturitiesForFixedMaturitySecuritiesAvailableForSaleWithUnrealizedLossesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_DistributionOfMaturitiesForFixedMaturitySecuritiesAvailableForSaleWithUnrealizedLossesAbstract" xlink:to="kcli_DistributionOfMaturitiesForFixedMaturitySecuritiesAvailableForSaleWithUnrealizedLossesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_DistributionOfMaturitiesForFixedMaturitySecuritiesAvailableForSaleWithUnrealizedLossesAbstract_lbl" xml:lang="en-US">Distribution of Maturities for Fixed Maturity Securities Available for Sale with Unrealized Losses [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_DistributionOfMaturitiesForFixedMaturitySecuritiesAvailableForSaleWithUnrealizedLossesAbstract_lbl" xml:lang="en-US">Distribution of Maturities for Fixed Maturity Securities Available for Sale with Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_DistributionOfMaturitiesForFixedMaturitySecuritiesAvailableForSaleWithUnrealizedLossesAbstract_lbl" xml:lang="en-US">Distribution of maturities for fixed maturity securities available for sale with unrealized losses.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" xlink:label="us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" xml:lang="en-US">Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsRollForward" xml:lang="en-US">Reconciliation Of Credit Losses Recognized In Earnings On Fixed Maturity Securities Held By The Company</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SummaryOfRealizedInvestmentGainsAndLossesAbstract" xlink:label="kcli_SummaryOfRealizedInvestmentGainsAndLossesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SummaryOfRealizedInvestmentGainsAndLossesAbstract" xlink:to="kcli_SummaryOfRealizedInvestmentGainsAndLossesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SummaryOfRealizedInvestmentGainsAndLossesAbstract_lbl" xml:lang="en-US">Summary of Realized Investment Gains And Losses [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SummaryOfRealizedInvestmentGainsAndLossesAbstract_lbl" xml:lang="en-US">Schedule of Realized Investment Gains And Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SummaryOfRealizedInvestmentGainsAndLossesAbstract_lbl" xml:lang="en-US">Summary of realized investment gains and losses.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAbstract" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherThanTemporaryImpairmentLossesInvestmentsAbstract" xml:lang="en-US">Other than Temporary Impairment Losses, Investments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_OtherThanTemporaryImpairmentLossesInvestmentsAbstract" xml:lang="en-US">Net impairment losses recognized in earnings:</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SummaryOfMortgageLoansByGeographicLocationAbstract" xlink:label="kcli_SummaryOfMortgageLoansByGeographicLocationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SummaryOfMortgageLoansByGeographicLocationAbstract" xlink:to="kcli_SummaryOfMortgageLoansByGeographicLocationAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SummaryOfMortgageLoansByGeographicLocationAbstract_lbl" xml:lang="en-US">Summary of Mortgage Loans by Geographic Location [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SummaryOfMortgageLoansByGeographicLocationAbstract_lbl" xml:lang="en-US">Schedule Of Mortgage Loans By Geographic Location And Property Type</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SummaryOfMortgageLoansByGeographicLocationAbstract_lbl" xml:lang="en-US">Summary of mortgage loans by geographic location.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SummaryOfConcentrationOfMortgageLoansByStateAbstract" xlink:label="kcli_SummaryOfConcentrationOfMortgageLoansByStateAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NumberOfNonDomesticAgencyMortgageBackedSecuritiesIdentifyByCompany_lbl" xml:lang="en-US">Number of Non Domestic Agency Mortgage Backed Securities Identify by Company</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NumberOfNonDomesticAgencyMortgageBackedSecuritiesIdentifyByCompany_lbl" xml:lang="en-US">Number of Non Domestic Agency mortgage-backed securities identify by company.</label>
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    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_TimeFrameForInitialDefaultRatesAssumedToRemainConstant" xlink:label="kcli_TimeFrameForInitialDefaultRatesAssumedToRemainConstant" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_TimeFrameForInitialDefaultRatesAssumedToRemainConstant" xlink:to="kcli_TimeFrameForInitialDefaultRatesAssumedToRemainConstant_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_TimeFrameForInitialDefaultRatesAssumedToRemainConstant_lbl" xml:lang="en-US">Time Frame for Initial Default Rates Assumed to Remain Constant</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_TimeFrameForInitialDefaultRatesAssumedToRemainConstant_lbl" xml:lang="en-US">Time frame for initial default rates assumed to remain constant.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_TimeFrameForInitialDefaultRatesAssumedToRemainConstant_lbl" xml:lang="en-US">Time frame for initial default rates assumed to remain constant</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" xlink:to="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" xml:lang="en-US">Categories reported at fair value on a recurring basis</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationAbstract" xlink:label="kcli_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationAbstract" xlink:to="kcli_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationAbstract_lbl" xml:lang="en-US">Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input Reconciliation Calculation [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationAbstract_lbl" xml:lang="en-US">Fair value assets and liabilities measured on recurring basis unobservable input reconciliation calculation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationAbstract_lbl" xml:lang="en-US">Fair Value Assets and Liabilities Measured on Recurring Basis Unobservable Input Reconciliation Calculation</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValueInputsAssetsQuantitativeInformationAbstract" xlink:label="kcli_FairValueInputsAssetsQuantitativeInformationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValueInputsAssetsQuantitativeInformationAbstract" xlink:to="kcli_FairValueInputsAssetsQuantitativeInformationAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValueInputsAssetsQuantitativeInformationAbstract_lbl" xml:lang="en-US">Fair Value Inputs Assets Quantitative Information [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FairValueInputsAssetsQuantitativeInformationAbstract_lbl" xml:lang="en-US">Quantitative information about Level 3 fair value measurements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValueInputsAssetsQuantitativeInformationAbstract_lbl" xml:lang="en-US">Fair value inputs assets quantitative information.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementsValuationTechniques" xlink:label="us-gaap_FairValueMeasurementsValuationTechniques" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsValuationTechniques" xlink:to="lab_FairValueMeasurementsValuationTechniques" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueMeasurementsValuationTechniques" xml:lang="en-US">Fair Value Measurements, Valuation Techniques</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueMeasurementsValuationTechniques" xml:lang="en-US">Fair Value of Fixed maturity securities on Valuation Technique</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="kcli_FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract" xlink:to="kcli_FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract_lbl" xml:lang="en-US">Financial Instruments Financial Assets and Liabilities Balance Sheet Groupings [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract_lbl" xml:lang="en-US">Summary Of Fair Value Estimates For Financial Instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract_lbl" xml:lang="en-US">Financial instruments financial assets and liabilities balance sheet groupings.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_InvestmentsFairValueDisclosureAbstract" xlink:label="kcli_InvestmentsFairValueDisclosureAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_InvestmentsFairValueDisclosureAbstract" xlink:to="kcli_InvestmentsFairValueDisclosureAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_InvestmentsFairValueDisclosureAbstract_lbl" xml:lang="en-US">Investments Fair Value Disclosure [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_InvestmentsFairValueDisclosureAbstract_lbl" xml:lang="en-US">Investments:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_InvestmentsFairValueDisclosureAbstract_lbl" xml:lang="en-US">Investments fair value disclosure.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:to="lab_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xml:lang="en-US">Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xml:lang="en-US">Assets:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:to="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xml:lang="en-US">Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xml:lang="en-US">Liabilities:</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NumberOfSecuritiesOnWhichCompanyInternallyDeterminedPrices" xlink:label="kcli_NumberOfSecuritiesOnWhichCompanyInternallyDeterminedPrices" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NumberOfSecuritiesOnWhichCompanyInternallyDeterminedPrices" xlink:to="kcli_NumberOfSecuritiesOnWhichCompanyInternallyDeterminedPrices_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NumberOfSecuritiesOnWhichCompanyInternallyDeterminedPrices_lbl" xml:lang="en-US">Number of Securities on Which Company Internally Determined Prices</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NumberOfSecuritiesOnWhichCompanyInternallyDeterminedPrices_lbl" xml:lang="en-US">Number of securities on which company internally determined the prices</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NumberOfSecuritiesOnWhichCompanyInternallyDeterminedPrices_lbl" xml:lang="en-US">Number of securities on which Company internally determined the prices.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_EstimatedIncreaseInBasisSpreadOfFixedMaturitySecurities" xlink:label="kcli_EstimatedIncreaseInBasisSpreadOfFixedMaturitySecurities" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_EstimatedIncreaseInBasisSpreadOfFixedMaturitySecurities_lbl" xml:lang="en-US">Estimated Increase in Basis Spread of Fixed Maturity Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_EstimatedIncreaseInBasisSpreadOfFixedMaturitySecurities_lbl" xml:lang="en-US">Estimated increase in Basis Spread of fixed maturity securities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_EstimatedIncreaseInBasisSpreadOfFixedMaturitySecurities_lbl" xml:lang="en-US">Estimated increase in Basis Spread of fixed maturity securities</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_EstimatedReductionInFairValueOfFixedMaturitySecurities" xlink:label="kcli_EstimatedReductionInFairValueOfFixedMaturitySecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_EstimatedReductionInFairValueOfFixedMaturitySecurities" xlink:to="kcli_EstimatedReductionInFairValueOfFixedMaturitySecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_EstimatedReductionInFairValueOfFixedMaturitySecurities_lbl" xml:lang="en-US">Estimated Reduction in Fair Value of Fixed Maturity Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_EstimatedReductionInFairValueOfFixedMaturitySecurities_lbl" xml:lang="en-US">Reduction in reported fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_EstimatedReductionInFairValueOfFixedMaturitySecurities_lbl" xml:lang="en-US">Estimated Reduction in fair value of fixed maturity securities.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SummaryOfFinancingReceivablesByClassificationAbstract" xlink:label="kcli_SummaryOfFinancingReceivablesByClassificationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SummaryOfFinancingReceivablesByClassificationAbstract" xlink:to="kcli_SummaryOfFinancingReceivablesByClassificationAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SummaryOfFinancingReceivablesByClassificationAbstract_lbl" xml:lang="en-US">Summary of Financing Receivables by Classification [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SummaryOfFinancingReceivablesByClassificationAbstract_lbl" xml:lang="en-US">Company's financing receivables by classification</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SummaryOfFinancingReceivablesByClassificationAbstract_lbl" xml:lang="en-US">Summary of financing receivables by classification.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTableTextBlock" xlink:label="us-gaap_FairValueInputsAssetsQuantitativeInformationTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsAssetsQuantitativeInformationTableTextBlock" xlink:to="lab_FairValueInputsAssetsQuantitativeInformationTableTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueInputsAssetsQuantitativeInformationTableTextBlock" xml:lang="en-US">Fair Value Inputs, Assets, Quantitative Information [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueInputsAssetsQuantitativeInformationTableTextBlock" xml:lang="en-US">Quantitative information about Level 3 fair value measurements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:label="us-gaap_FairValueInputsAssetsQuantitativeInformationTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:to="lab_FairValueInputsAssetsQuantitativeInformationTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueInputsAssetsQuantitativeInformationTable" xml:lang="en-US">Fair Value Inputs, Assets, Quantitative Information [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:label="us-gaap_FairValueByAssetClassAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByAssetClassAxis" xlink:to="lab_FairValueByAssetClassAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueByAssetClassAxis" xml:lang="en-US">Asset Class [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:to="lab_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xml:lang="en-US">Fair Value by Asset Class [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" xlink:label="us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" xlink:to="lab_FairValueInputsAssetsQuantitativeInformationLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueInputsAssetsQuantitativeInformationLineItems" xml:lang="en-US">Fair Value Inputs, Assets, Quantitative Information [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:to="lab_EffectiveIncomeTaxRateReconciliationTaxCredits" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_EffectiveIncomeTaxRateReconciliationTaxCredits" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Credits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_EffectiveIncomeTaxRateReconciliationTaxCredits" xml:lang="en-US">Tax credits, net of equity adjustment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxesReceivable" xlink:label="us-gaap_IncomeTaxesReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesReceivable" xlink:to="lab_IncomeTaxesReceivable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_IncomeTaxesReceivable" xml:lang="en-US">Income Taxes Receivable, Current</label>
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    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AverageRemainingServicePeriodOfPlanParticipants" xlink:label="kcli_AverageRemainingServicePeriodOfPlanParticipants" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SummaryOfFinancialPerformanceOfReportableSegmentsAbstract_lbl" xml:lang="en-US">Summary of Financial Performance of Reportable Segments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SummaryOfFinancialPerformanceOfReportableSegmentsAbstract_lbl" xml:lang="en-US">Schedule of financial performance of reportable segments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SummaryOfFinancialPerformanceOfReportableSegmentsAbstract_lbl" xml:lang="en-US">Summary of financial performance of reportable segments.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SummaryOfInformationAboutComprehensiveIncomeAbstract_lbl" xml:lang="en-US">Summary of Information about Comprehensive Income [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SummaryOfInformationAboutComprehensiveIncomeAbstract_lbl" xml:lang="en-US">Information about comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SummaryOfInformationAboutComprehensiveIncomeAbstract_lbl" xml:lang="en-US">Summary of information about comprehensive income.</label>
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    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetTaxExpenses" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetTaxExpenses" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetTaxExpenses_lbl" xml:lang="en-US">Other than Temporary Impairment Losses Investments Portion Recognized in Earnings Net Tax Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetTaxExpenses_lbl" xml:lang="en-US">Other-than-temporary impairment losses recognized in earnings, Tax (Expense) or Benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetTaxExpenses_lbl" xml:lang="en-US">Investments portion of other than temporary impairment losses recognized in earnings during the period, tax expense.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAfterTax" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAfterTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAfterTax" xlink:to="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAfterTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAfterTax_lbl" xml:lang="en-US">Other than Temporary Impairment Losses Investments Portion Recognized in Earnings Net after Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAfterTax_lbl" xml:lang="en-US">Other-than-temporary impairment losses recognized in earnings, Net-of-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAfterTax_lbl" xml:lang="en-US">Investments portion of other than temporary impairment losses recognized in earnings during the period, net of tax.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="lab_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xml:lang="en-US">Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xml:lang="en-US">Other-than-temporary impairment losses recognized in other comprehensive income, Net-of-Tax Amount</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLosses" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLosses" xlink:to="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLosses_lbl" xml:lang="en-US">Other Comprehensive Income Net Unrealized Gains Losses Excluding Impairment Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLosses_lbl" xml:lang="en-US">Net unrealized gains (losses) excluding impairment losses, Before-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLosses_lbl" xml:lang="en-US">Other comprehensive income net unrealized gains losses excluding impairment losses before tax.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesTax" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesTax" xlink:to="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesTax_lbl" xml:lang="en-US">Other Comprehensive Income Net Unrealized Gains Losses Excluding Impairment Losses Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesTax_lbl" xml:lang="en-US">Net unrealized gains (losses) excluding impairment losses, Tax (Expense) or Benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesTax_lbl" xml:lang="en-US">Other comprehensive income net unrealized gains losses excluding impairment losses tax.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesAfterTax" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesAfterTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesAfterTax" xlink:to="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesAfterTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesAfterTax_lbl" xml:lang="en-US">Other Comprehensive Income Net Unrealized Gains Losses Excluding Impairment Losses after Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesAfterTax_lbl" xml:lang="en-US">Net unrealized gains (losses) excluding impairment losses, Net-of-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeNetUnrealizedGainsLossesExcludingImpairmentLossesAfterTax_lbl" xml:lang="en-US">Other comprehensive income net unrealized gains losses excluding impairment losses after tax.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AccumulatedBalancesRelatedToEachComponentOfAccumulatedOtherComprehensiveIncomeAbstract" xlink:label="kcli_AccumulatedBalancesRelatedToEachComponentOfAccumulatedOtherComprehensiveIncomeAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AccumulatedBalancesRelatedToEachComponentOfAccumulatedOtherComprehensiveIncomeAbstract" xlink:to="kcli_AccumulatedBalancesRelatedToEachComponentOfAccumulatedOtherComprehensiveIncomeAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AccumulatedBalancesRelatedToEachComponentOfAccumulatedOtherComprehensiveIncomeAbstract_lbl" xml:lang="en-US">Accumulated Balances Related to Each Component of Accumulated Other Comprehensive Income [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AccumulatedBalancesRelatedToEachComponentOfAccumulatedOtherComprehensiveIncomeAbstract_lbl" xml:lang="en-US">Accumulated balances related to each component of accumulated other comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AccumulatedBalancesRelatedToEachComponentOfAccumulatedOtherComprehensiveIncomeAbstract_lbl" xml:lang="en-US">Accumulated balances related to each component of accumulated other comprehensive income.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LongTermDebtPercentageBearingFixedInterestRate" xlink:label="us-gaap_LongTermDebtPercentageBearingFixedInterestRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtPercentageBearingFixedInterestRate" xlink:to="lab_LongTermDebtPercentageBearingFixedInterestRate" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LongTermDebtPercentageBearingFixedInterestRate" xml:lang="en-US">Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_LongTermDebtPercentageBearingFixedInterestRate" xml:lang="en-US">Percentage of fixed interest rates ranging</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:label="us-gaap_CompensationAndRetirementDisclosureAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:to="us-gaap_CompensationAndRetirementDisclosureAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CompensationAndRetirementDisclosureAbstract_lbl" xml:lang="en-US">Pensions and Other Postretirement Benefits [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="lab_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xml:lang="en-US">Variable Interest Entities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_VariableInterestEntitiesDisclosureTextBlock" xlink:label="kcli_VariableInterestEntitiesDisclosureTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_VariableInterestEntitiesDisclosureTextBlock_lbl" xml:lang="en-US">Variable Interest Entities Disclosure [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_VariableInterestEntitiesDisclosureTextBlock_lbl" xml:lang="en-US">Variable Interest Entities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_VariableInterestEntitiesDisclosureTextBlock_lbl" xml:lang="en-US">Variable interest entities.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NewAccountingPronouncementsPolicyTextBlock" xlink:label="kcli_NewAccountingPronouncementsPolicyTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NewAccountingPronouncementsPolicyTextBlock" xlink:to="kcli_NewAccountingPronouncementsPolicyTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NewAccountingPronouncementsPolicyTextBlock_lbl" xml:lang="en-US">New Accounting Pronouncements [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NewAccountingPronouncementsPolicyTextBlock_lbl" xml:lang="en-US">Significant Accounting Policies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NewAccountingPronouncementsPolicyTextBlock_lbl" xml:lang="en-US">New accounting pronouncements.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:to="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xml:lang="en-US">Schedule of Available-for-sale Securities Reconciliation [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xml:lang="en-US">Schedule of Amortized Cost and Fair Value of Securities</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ScheduleOfAmountOfMortgageLoansByYearOfOriginationTableTextBlock" xlink:label="kcli_ScheduleOfAmountOfMortgageLoansByYearOfOriginationTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ScheduleOfAmountOfMortgageLoansByYearOfOriginationTableTextBlock" xlink:to="kcli_ScheduleOfAmountOfMortgageLoansByYearOfOriginationTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfAmountOfMortgageLoansByYearOfOriginationTableTextBlock_lbl" xml:lang="en-US">Schedule of Amount of Mortgage Loans by Year of Origination [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ScheduleOfAmountOfMortgageLoansByYearOfOriginationTableTextBlock_lbl" xml:lang="en-US">Schedule Of Amount Of Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfAmountOfMortgageLoansByYearOfOriginationTableTextBlock_lbl" xml:lang="en-US">Schedule of amount of mortgage loans by year of origination.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsTextBlock" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsTextBlock" xlink:to="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsTextBlock" xml:lang="en-US">Schedule of Changes in Level 3 Assets and Liabilities Measured at Fair Value on a Recurring Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsTextBlock" xml:lang="en-US">Fair Value, Measured on Recurring Basis, Gain (Loss) Included in Earnings [Table Text Block]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PercentageOfCarryingAmountOfMortgageLoans" xlink:label="kcli_PercentageOfCarryingAmountOfMortgageLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PercentageOfCarryingAmountOfMortgageLoans" xlink:to="kcli_PercentageOfCarryingAmountOfMortgageLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PercentageOfCarryingAmountOfMortgageLoans_lbl" xml:lang="en-US">Percentage of Carrying Amount of Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PercentageOfCarryingAmountOfMortgageLoans_lbl" xml:lang="en-US">Percentage of Total Carrying Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PercentageOfCarryingAmountOfMortgageLoans_lbl" xml:lang="en-US">Percentage of carrying amount of mortgage loans.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xml:lang="en-US">Allowance for Credit Losses on Financing Receivables [Table Text Block]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ErrorCorrectionMember" xlink:to="kcli_ErrorCorrectionMember_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable" xml:lang="en-US">Schedule of Error Corrections and Prior Period Adjustment Restatement [Table]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsForErrorCorrectionDomain" xlink:to="lab_AdjustmentsForErrorCorrectionDomain" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems" xlink:to="lab_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PensionExpense" xlink:label="us-gaap_PensionExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PensionExpense" xlink:to="lab_PensionExpense" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PensionExpense" xml:lang="en-US">Pension Expense</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CumulativeEffectOnRetainedEarningsNetOfTax1" xlink:label="us-gaap_CumulativeEffectOnRetainedEarningsNetOfTax1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CumulativeEffectOnRetainedEarningsNetOfTax1" xlink:to="lab_CumulativeEffectOnRetainedEarningsNetOfTax1" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_CumulativeEffectOnRetainedEarningsNetOfTax1" xml:lang="en-US">Error related to amortization period resulting in reduction to net periodic pension expense after tax</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:to="lab_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xml:lang="en-US">Increase (Decrease) in Deferred Policy Acquisition Costs</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:label="us-gaap_AllocatedShareBasedCompensationExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllocatedShareBasedCompensationExpense" xlink:to="lab_AllocatedShareBasedCompensationExpense" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AllocatedShareBasedCompensationExpense" xml:lang="en-US">Allocated Share-based Compensation Expense</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NumberOfReportableSegments" xlink:label="us-gaap_NumberOfReportableSegments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NumberOfReportableSegments" xlink:to="lab_NumberOfReportableSegments" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_NumberOfReportableSegments" xml:lang="en-US">Number of Reportable Segments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_NumberOfReportableSegments" xml:lang="en-US">Number of reportable operating segments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ConventionalLoanMember" xlink:label="us-gaap_ConventionalLoanMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConventionalLoanMember" xlink:to="lab_ConventionalLoanMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ConventionalLoanMember" xml:lang="en-US">Conventional Mortgage Loan [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ConventionalLoanMember" xml:lang="en-US">Mortgage Loans and Other Investments [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsTable" xlink:label="us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsTable" xlink:to="lab_ProspectiveAdoptionOfNewAccountingPronouncementsTable" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ProspectiveAdoptionOfNewAccountingPronouncementsTable" xml:lang="en-US">Prospective Adoption of New Accounting Pronouncements [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" xlink:label="us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" xlink:to="lab_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ProspectiveAdoptionOfNewAccountingPronouncementsAxis" xml:lang="en-US">Prospective Adoption of New Accounting Pronouncements [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccountingGuidanceMember" xlink:label="us-gaap_AccountingGuidanceMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingGuidanceMember" xlink:to="lab_AccountingGuidanceMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AccountingGuidanceMember" xml:lang="en-US">Accounting Guidance [Domain]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreviousAccountingGuidanceMember" xlink:to="lab_PreviousAccountingGuidanceMember" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PreviousAccountingGuidanceMember" xml:lang="en-US">Previous Accounting Guidance [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_PreviousAccountingGuidanceMember" xml:lang="en-US">Previous Accounting Guidance [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ItemEffectedLineItems" xlink:label="us-gaap_ItemEffectedLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ItemEffectedLineItems" xlink:to="lab_ItemEffectedLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ItemEffectedLineItems" xml:lang="en-US">Item Effected [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:to="lab_MajorTypesOfDebtAndEquitySecuritiesAxis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_MajorTypesOfDebtAndEquitySecuritiesAxis" xml:lang="en-US">Major Types of Debt and Equity Securities [Axis]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OthersMember" xlink:label="kcli_OthersMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OthersMember" xlink:to="kcli_OthersMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OthersMember_lbl" xml:lang="en-US">Others [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OthersMember_lbl" xml:lang="en-US">Others [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OthersMember_lbl" xml:lang="en-US">Other.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsGrossUnrealizedLoss_lbl" xml:lang="en-US">Available for Sale Securities Debt Maturities after Ten Years Gross Unrealized Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsGrossUnrealizedLoss_lbl" xml:lang="en-US">Due after ten years, Gross Unrealized Losses</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToFundPolicyLoans" xlink:label="us-gaap_PaymentsToFundPolicyLoans" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PaymentsToFundPolicyLoans" xml:lang="en-US">Payments to Fund Policy Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_PaymentsToFundPolicyLoans" xml:lang="en-US">Policy loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:to="lab_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xml:lang="en-US">Proceeds from Sale, Maturity and Collection of Investments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xml:lang="en-US">Sales or maturities, calls, and principal paydowns:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xml:lang="en-US">Fixed maturity securities</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment" xlink:label="us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ProceedsFromSaleOfRealEstateHeldforinvestment" xml:lang="en-US">Proceeds from Sale of Real Estate Held-for-investment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ProceedsFromSaleOfRealEstateHeldforinvestment" xml:lang="en-US">Real estate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromCollectionOfPolicyLoans" xlink:label="us-gaap_ProceedsFromCollectionOfPolicyLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromCollectionOfPolicyLoans" xlink:to="lab_ProceedsFromCollectionOfPolicyLoans" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ProceedsFromCollectionOfPolicyLoans" xml:lang="en-US">Proceeds from Collection of Policy Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_ProceedsFromCollectionOfPolicyLoans" xml:lang="en-US">Policy loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForProceedsFromShortTermInvestments" xlink:label="us-gaap_PaymentsForProceedsFromShortTermInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromShortTermInvestments" xlink:to="lab_PaymentsForProceedsFromShortTermInvestments" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PaymentsForProceedsFromShortTermInvestments" xml:lang="en-US">Payments for (Proceeds from) Short-term Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_PaymentsForProceedsFromShortTermInvestments" xml:lang="en-US">Net sales (purchases) of short-term investments</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NetDispositionsAcquisitionsOfPropertyAndEquipment" xlink:label="kcli_NetDispositionsAcquisitionsOfPropertyAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NetDispositionsAcquisitionsOfPropertyAndEquipment" xlink:to="kcli_NetDispositionsAcquisitionsOfPropertyAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NetDispositionsAcquisitionsOfPropertyAndEquipment_lbl" xml:lang="en-US">Net Dispositions Acquisitions of Property and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_NetDispositionsAcquisitionsOfPropertyAndEquipment_lbl" xml:lang="en-US">Net acquisitions of property and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NetDispositionsAcquisitionsOfPropertyAndEquipment_lbl" xml:lang="en-US">Net dispositions (acquisitions) of property and equipment.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NewAccountingPronouncementsTextBlock" xlink:label="kcli_NewAccountingPronouncementsTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NewAccountingPronouncementsTextBlock" xlink:to="kcli_NewAccountingPronouncementsTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NewAccountingPronouncementsTextBlock_lbl" xml:lang="en-US">New Accounting Pronouncements [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NewAccountingPronouncementsTextBlock_lbl" xml:lang="en-US">New Accounting Pronouncements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NewAccountingPronouncementsTextBlock_lbl" xml:lang="en-US">New accounting pronouncements.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:label="us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:to="lab_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xml:lang="en-US">New Accounting Pronouncements and Changes in Accounting Principles [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xml:lang="en-US">Change in accounting principle</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LossContingencyAbstract" xlink:label="us-gaap_LossContingencyAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAbstract" xlink:to="lab_LossContingencyAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_LossContingencyAbstract" xml:lang="en-US">Contingent Liabilities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ContingentLiabilitiesTextBlock" xlink:label="kcli_ContingentLiabilitiesTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ContingentLiabilitiesTextBlock" xlink:to="kcli_ContingentLiabilitiesTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ContingentLiabilitiesTextBlock_lbl" xml:lang="en-US">Contingent Liabilities [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ContingentLiabilitiesTextBlock_lbl" xml:lang="en-US">Contingent Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ContingentLiabilitiesTextBlock_lbl" xml:lang="en-US">Contingent liabilities.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_BasisOfPresentationPolicyTextBlock" xlink:label="kcli_BasisOfPresentationPolicyTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_BasisOfPresentationPolicyTextBlock" xlink:to="kcli_BasisOfPresentationPolicyTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_BasisOfPresentationPolicyTextBlock_lbl" xml:lang="en-US">Basis of Presentation [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_BasisOfPresentationPolicyTextBlock_lbl" xml:lang="en-US">Basis of Presentation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_BasisOfPresentationPolicyTextBlock_lbl" xml:lang="en-US">The basis of presentation, which describes the underlying basis used to prepare the financial statements.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesTableTextBlock" xlink:label="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesTableTextBlock" xlink:to="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesTableTextBlock_lbl" xml:lang="en-US">Schedule of Proceeds from Sales of Fixed Maturities and Equity Securities [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesTableTextBlock_lbl" xml:lang="en-US">Schedule Of Sales Of Fixed Maturity And Equity Securities Excluding Maturities And Calls</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesTableTextBlock_lbl" xml:lang="en-US">Schedule of proceeds from sales of fixed maturity and equity securities, excluding maturities and calls, and the related gross realized gains and losses.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ScheduleOfFinancingReceivablesByClassificationTableTextBlock" xlink:label="kcli_ScheduleOfFinancingReceivablesByClassificationTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ScheduleOfFinancingReceivablesByClassificationTableTextBlock" xlink:to="kcli_ScheduleOfFinancingReceivablesByClassificationTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfFinancingReceivablesByClassificationTableTextBlock_lbl" xml:lang="en-US">Schedule of Financing Receivables by Classification [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ScheduleOfFinancingReceivablesByClassificationTableTextBlock_lbl" xml:lang="en-US">Company's financing receivables by classification</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfFinancingReceivablesByClassificationTableTextBlock_lbl" xml:lang="en-US">Tabular disclosure of financing receivables.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansCollectivelyOrIndividuallyEvaluatedForImpairmentTableTextBlock" xlink:label="kcli_MortgageLoansCollectivelyOrIndividuallyEvaluatedForImpairmentTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansCollectivelyOrIndividuallyEvaluatedForImpairmentTableTextBlock" xlink:to="kcli_MortgageLoansCollectivelyOrIndividuallyEvaluatedForImpairmentTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansCollectivelyOrIndividuallyEvaluatedForImpairmentTableTextBlock_lbl" xml:lang="en-US">Mortgage Loans Collectively or Individually Evaluated for Impairment [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_MortgageLoansCollectivelyOrIndividuallyEvaluatedForImpairmentTableTextBlock_lbl" xml:lang="en-US">Mortgage loan portfolio as collectively or individually evaluated for impairment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansCollectivelyOrIndividuallyEvaluatedForImpairmentTableTextBlock_lbl" xml:lang="en-US">Tabular disclosure of mortgage loan financing receivables evaluated collectively or individually for impairment.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ScheduleOfCarryingAmountAndMaximumExposureToLossTableTextBlock" xlink:label="kcli_ScheduleOfCarryingAmountAndMaximumExposureToLossTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ScheduleOfCarryingAmountAndMaximumExposureToLossTableTextBlock" xlink:to="kcli_ScheduleOfCarryingAmountAndMaximumExposureToLossTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfCarryingAmountAndMaximumExposureToLossTableTextBlock_lbl" xml:lang="en-US">Schedule of Carrying Amount and Maximum Exposure to Loss [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ScheduleOfCarryingAmountAndMaximumExposureToLossTableTextBlock_lbl" xml:lang="en-US">Carrying amount and maximum exposure to loss relating to VIEs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfCarryingAmountAndMaximumExposureToLossTableTextBlock_lbl" xml:lang="en-US">Schedule of carrying amount and maximum exposure to loss.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossGainsResultingFromInvestmentSecuritiesCalledAndOther" xlink:label="kcli_GrossGainsResultingFromInvestmentSecuritiesCalledAndOther" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossGainsResultingFromInvestmentSecuritiesCalledAndOther" xlink:to="kcli_GrossGainsResultingFromInvestmentSecuritiesCalledAndOther_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossGainsResultingFromInvestmentSecuritiesCalledAndOther_lbl" xml:lang="en-US">Gross Gains Resulting from Investment Securities Called and Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_GrossGainsResultingFromInvestmentSecuritiesCalledAndOther_lbl" xml:lang="en-US">Investment securities called and other, gains</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossGainsResultingFromInvestmentSecuritiesCalledAndOther_lbl" xml:lang="en-US">Gross gains resulting from investment securities called and other.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossRealizedGains" xlink:label="kcli_GrossRealizedGains" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossRealizedGains" xlink:to="kcli_GrossRealizedGains_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossRealizedGains_lbl" xml:lang="en-US">Gross Realized Gains</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_GrossRealizedGains_lbl" xml:lang="en-US">Total gross gains</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossRealizedGains_lbl" xml:lang="en-US">Gross realized gains.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossLossesResultingFromInvestmentSecuritiesCalledAndOther" xlink:label="kcli_GrossLossesResultingFromInvestmentSecuritiesCalledAndOther" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossLossesResultingFromInvestmentSecuritiesCalledAndOther" xlink:to="kcli_GrossLossesResultingFromInvestmentSecuritiesCalledAndOther_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossLossesResultingFromInvestmentSecuritiesCalledAndOther_lbl" xml:lang="en-US">Gross Losses Resulting from Investment Securities Called and Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossLossesResultingFromInvestmentSecuritiesCalledAndOther_lbl" xml:lang="en-US">Gross losses resulting from investment securities called and other.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossLossesResultingFromMortgageLoans" xlink:label="kcli_GrossLossesResultingFromMortgageLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossLossesResultingFromMortgageLoans" xlink:to="kcli_GrossLossesResultingFromMortgageLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossLossesResultingFromMortgageLoans_lbl" xml:lang="en-US">Gross Losses Resulting from Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossLossesResultingFromMortgageLoans_lbl" xml:lang="en-US">Gross losses resulting from mortgage loans.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossRealizedLosses" xlink:label="kcli_GrossRealizedLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossRealizedLosses" xlink:to="kcli_GrossRealizedLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossRealizedLosses_lbl" xml:lang="en-US">Gross Realized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_GrossRealizedLosses_lbl" xml:lang="en-US">Gross Realized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossRealizedLosses_lbl" xml:lang="en-US">Total gross realized losses.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesAbstract" xlink:label="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesAbstract" xlink:to="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesAbstract_lbl" xml:lang="en-US">Schedule of Proceeds from Sales of Fixed Maturities and Equity Securities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesAbstract_lbl" xml:lang="en-US">Summary of sales of fixed maturity and equity securities excluding maturities and calls</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ScheduleOfProceedsFromSalesOfFixedMaturitiesAndEquitySecuritiesAbstract_lbl" xml:lang="en-US">Schedule of proceeds from sales of fixed maturities and equity securities, excluding maturities and calls, and the related gross realized gains and losses.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansRefinanced" xlink:label="kcli_MortgageLoansRefinanced" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansRefinanced" xlink:to="kcli_MortgageLoansRefinanced_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansRefinanced_lbl" xml:lang="en-US">Mortgage Loans Refinanced</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansRefinanced_lbl" xml:lang="en-US">Outstanding balances of refinanced mortgage loans during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_MortgageLoansRefinanced_lbl" xml:lang="en-US">Loans refinanced</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AverageMortgageLoanToValueRatio" xlink:label="kcli_AverageMortgageLoanToValueRatio" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AverageMortgageLoanToValueRatio" xlink:to="kcli_AverageMortgageLoanToValueRatio_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AverageMortgageLoanToValueRatio_lbl" xml:lang="en-US">Average Mortgage Loan to Value Ratio</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AverageMortgageLoanToValueRatio_lbl" xml:lang="en-US">Average loan to value ratio for overall portfolio</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AverageMortgageLoanToValueRatio_lbl" xml:lang="en-US">Average loan to value ratio for the overall mortgage loan portfolio.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities" xlink:label="kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities" xlink:to="kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_lbl" xml:lang="en-US">Carrying Value Policy holder Account Balances Fixed Deferred Annuities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_lbl" xml:lang="en-US">The accrued obligation for policyholder account balances that relates to fixed deferred annuities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_CarryingValuePolicyHolderAccountBalancesFixedDeferredAnnuities_lbl" xml:lang="en-US">Individual and group annuities, carrying value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies" xlink:label="kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies" xlink:to="kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_lbl" xml:lang="en-US">Carrying Value Policyholder Account Balances Supplementary Contracts Without Life Contingencies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_lbl" xml:lang="en-US">The accrued obligation for policyholder account balances that relates to supplementary contracts without life contingencies.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_CarryingValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_lbl" xml:lang="en-US">Supplementary contracts without life contingencies, carrying value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities" xlink:label="kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities" xlink:to="kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_lbl" xml:lang="en-US">Fair Value Policyholder Account Balances Fixed Deferred Annuities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_lbl" xml:lang="en-US">The fair value of the accrued obligation for policyholder account balances that relates to fixed deferred annuities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FairValuePolicyholderAccountBalancesFixedDeferredAnnuities_lbl" xml:lang="en-US">Individual and group annuities, fair value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies" xlink:label="kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies" xlink:to="kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_lbl" xml:lang="en-US">Fair Value Policyholder Account Balances Supplementary Contracts Without Life Contingencies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_lbl" xml:lang="en-US">The fair value of the accrued obligation for policyholder account balances that relates to supplementary contracts without life contingencies.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FairValuePolicyholderAccountBalancesSupplementaryContractsWithoutLifeContingencies_lbl" xml:lang="en-US">Supplementary contracts without life contingencies, fair value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FinancingReceivableRecordedInvestment" xlink:label="kcli_FinancingReceivableRecordedInvestment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FinancingReceivableRecordedInvestment" xlink:to="kcli_FinancingReceivableRecordedInvestment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FinancingReceivableRecordedInvestment_lbl" xml:lang="en-US">Financing Receivable Recorded Investment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FinancingReceivableRecordedInvestment_lbl" xml:lang="en-US">Total financing receivables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FinancingReceivableRecordedInvestment_lbl" 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.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:to="lab_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xml:lang="en-US">Mortgage loan portfolio as collectively or individually evaluated for impairment</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FinancingReceivablesTextualAbstract" xlink:label="kcli_FinancingReceivablesTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FinancingReceivablesTextualAbstract" xlink:to="kcli_FinancingReceivablesTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FinancingReceivablesTextualAbstract_lbl" xml:lang="en-US">Financing Receivables (Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FinancingReceivablesTextualAbstract_lbl" xml:lang="en-US">Financing receivables.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FinancingReceivablesTextualAbstract_lbl" xml:lang="en-US">Financing Receivables (Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesAbstract" xlink:label="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesAbstract" xlink:to="lab_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesAbstract" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesAbstract" xml:lang="en-US">Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesAbstract" xml:lang="en-US">Schedule of Carrying Amount and Maximum Exposure to Loss</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoanPortfolioMember" xlink:label="kcli_MortgageLoanPortfolioMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoanPortfolioMember" xlink:to="kcli_MortgageLoanPortfolioMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoanPortfolioMember_lbl" xml:lang="en-US">Mortgage Loan Portfolio [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoanPortfolioMember_lbl" xml:lang="en-US">Mortgage loan portfolio.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_MortgageLoanPortfolioMember_lbl" xml:lang="en-US">Mortgage Loan Portfolio [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ChangeInAccountingPrincipleAdditionalTextualAbstract" xlink:label="kcli_ChangeInAccountingPrincipleAdditionalTextualAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ChangeInAccountingPrincipleAdditionalTextualAbstract" xlink:to="kcli_ChangeInAccountingPrincipleAdditionalTextualAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ChangeInAccountingPrincipleAdditionalTextualAbstract_lbl" xml:lang="en-US">Change in Accounting Principle (Additional Textual) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ChangeInAccountingPrincipleAdditionalTextualAbstract_lbl" xml:lang="en-US">Change in accounting principle.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ChangeInAccountingPrincipleAdditionalTextualAbstract_lbl" xml:lang="en-US">Change in Accounting Principle (Additional Textual) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsAdditions" xlink:label="us-gaap_DeferredPolicyAcquisitionCostsAdditions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostsAdditions" xlink:to="lab_DeferredPolicyAcquisitionCostsAdditions" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DeferredPolicyAcquisitionCostsAdditions" xml:lang="en-US">Deferred Policy Acquisition Costs, Additions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DeferredPolicyAcquisitionCostsAdditions" xml:lang="en-US">Costs related to acquisition</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="lab_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Income (Loss) from Continuing Operations before Income Taxes, Extraordinary Items, Noncontrolling Interest</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Net result of adoption of new accounting policy</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ImpactOfChangeInAccountingPrincipleMember" xlink:label="kcli_ImpactOfChangeInAccountingPrincipleMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ImpactOfChangeInAccountingPrincipleMember" xlink:to="kcli_ImpactOfChangeInAccountingPrincipleMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ImpactOfChangeInAccountingPrincipleMember_lbl" xml:lang="en-US">Impact of Change in Accounting Principle [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ImpactOfChangeInAccountingPrincipleMember_lbl" xml:lang="en-US">Impact of Change in Accounting Principle [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ImpactOfChangeInAccountingPrincipleMember_lbl" xml:lang="en-US">Impact of change in accounting principle.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:to="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Other Adjustments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xml:lang="en-US">Other</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ShareBasedCompensationPayments" xlink:label="kcli_ShareBasedCompensationPayments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ShareBasedCompensationPayments" xlink:to="kcli_ShareBasedCompensationPayments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ShareBasedCompensationPayments_lbl" xml:lang="en-US">Share Based Compensation Payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ShareBasedCompensationPayments_lbl" xml:lang="en-US">Payments for share-based plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ShareBasedCompensationPayments_lbl" xml:lang="en-US">Payments made during the period for share-based compensation.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ImmaterialCorrectionOfErrorMember" xlink:label="kcli_ImmaterialCorrectionOfErrorMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ImmaterialCorrectionOfErrorMember" xlink:to="kcli_ImmaterialCorrectionOfErrorMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ImmaterialCorrectionOfErrorMember_lbl" xml:lang="en-US">Immaterial Correction of Error [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ImmaterialCorrectionOfErrorMember_lbl" xml:lang="en-US">Immaterial correction of an error.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ImmaterialCorrectionOfErrorMember_lbl" xml:lang="en-US">Immaterial correction of an error [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NetRealizedGainsLossesFromSalesCallsAndOtherBeforeTax" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherBeforeTax" xlink:to="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherBeforeTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherBeforeTax_lbl" xml:lang="en-US">Net Realized Gains Losses from Sales Calls and Other before Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherBeforeTax_lbl" xml:lang="en-US">Net realized investment gains (losses), excluding impairment losses, Before-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherBeforeTax_lbl" xml:lang="en-US">Before tax gains and losses resulting from the sales of investment securities, investment securities called or put, sales of real estate, or other investment gains and losses excluding impairment losses.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NetRealizedGainsLossesFromSalesCallsAndOtherTax" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherTax" xlink:to="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherTax_lbl" xml:lang="en-US">Net Realized Gains Losses from Sales Calls and Other Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherTax_lbl" xml:lang="en-US">Net realized investment gains (losses), excluding impairment losses, Tax (Expense) or Benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherTax_lbl" xml:lang="en-US">Tax effect of gains and losses resulting from the sales of investment securities, investment securities called or put, sales of real estate, or other investment gains and losses excluding impairment losses.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsBeforeTax" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsBeforeTax" xlink:to="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsBeforeTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsBeforeTax_lbl" xml:lang="en-US">Other than Temporary Impairment Losses Investments Portion Recognized in Earnings before Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsBeforeTax_lbl" xml:lang="en-US">Other-than-temporary impairment losses recognized in earnings, Before-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsBeforeTax_lbl" xml:lang="en-US">Investments portion of other than temporary impairment losses recognized in earnings during period, before tax.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NetRealizedGainsLossesFromSalesCallsAndOtherNetOfTax" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherNetOfTax" xlink:to="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherNetOfTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherNetOfTax_lbl" xml:lang="en-US">Net Realized Gains Losses from Sales Calls and Other Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherNetOfTax_lbl" xml:lang="en-US">Net realized investment gains (losses), excluding impairment losses, Net-of-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NetRealizedGainsLossesFromSalesCallsAndOtherNetOfTax_lbl" xml:lang="en-US">Net of tax amount gains and losses resulting from the sales of investment securities, investment securities called or put, sales of real estate, or other investment gains and losses excluding impairment losses.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaBeforeTax" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaBeforeTax" xlink:to="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaBeforeTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaBeforeTax_lbl" xml:lang="en-US">Other Comprehensive Income Loss Effect on DAC and VOBA before Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaBeforeTax_lbl" xml:lang="en-US">Effect on DAC and VOBA, Before-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVobaBeforeTax_lbl" xml:lang="en-US">Other comprehensive income loss effect on DAC and VOBA before tax.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesBeforeTax" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesBeforeTax" xlink:to="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesBeforeTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesBeforeTax_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion Applicable to Policyholder Account Balances before Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesBeforeTax_lbl" xml:lang="en-US">Policyholder account balances, Before-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesBeforeTax_lbl" xml:lang="en-US">Other comprehensive income portion attributable to policyholder account balances, before tax.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesTax" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesTax" xlink:to="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesTax_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion Applicable to Policyholder Account Balances Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesTax_lbl" xml:lang="en-US">Policyholder account balances, Tax (Expense) or Benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesTax_lbl" xml:lang="en-US">Tax effect of other comprehensive income portion attributable to policyholder account balances.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesAfterTax" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesAfterTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesAfterTax" xlink:to="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesAfterTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesAfterTax_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion Applicable to Policyholder Account Balances after Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesAfterTax_lbl" xml:lang="en-US">Policyholder account balances, Net-of-Tax Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionApplicableToPolicyholderAccountBalancesAfterTax_lbl" xml:lang="en-US">Other comprehensive income portion attributable to policyholder account balances, after tax.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefits" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefits" xlink:to="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefits_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion of Future Policy Benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefits_lbl" xml:lang="en-US">Other comprehensive income, Future policy benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfFuturePolicyBenefits_lbl" xml:lang="en-US">Other comprehensive income loss portion of future policy benefits.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionOfPolicyholderAccountBalances" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfPolicyholderAccountBalances" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossPortionOfPolicyholderAccountBalances" xlink:to="kcli_OtherComprehensiveIncomeLossPortionOfPolicyholderAccountBalances_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfPolicyholderAccountBalances_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion of Policyholder Account Balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfPolicyholderAccountBalances_lbl" xml:lang="en-US">Other comprehensive income, Policyholder Account Balances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfPolicyholderAccountBalances_lbl" xml:lang="en-US">Other comprehensive income loss portion of policyholder account balances.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossPortionOfBenefitPlanObligations" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfBenefitPlanObligations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossPortionOfBenefitPlanObligations" xlink:to="kcli_OtherComprehensiveIncomeLossPortionOfBenefitPlanObligations_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfBenefitPlanObligations_lbl" xml:lang="en-US">Other Comprehensive Income Loss Portion of Benefit Plan Obligations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfBenefitPlanObligations_lbl" xml:lang="en-US">Other comprehensive income, Benefit Plan Obligations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossPortionOfBenefitPlanObligations_lbl" xml:lang="en-US">Other comprehensive income loss portion of benefit plan obligations.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnNonImpairedSecuritiesComponent" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnNonImpairedSecuritiesComponent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnNonImpairedSecuritiesComponent" xlink:to="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnNonImpairedSecuritiesComponent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnNonImpairedSecuritiesComponent_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income Net Unrealized Gain Loss on Non-Impaired Securities Component</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnNonImpairedSecuritiesComponent_lbl" xml:lang="en-US">Net Unrealized Gain (Loss) on Non-Impaired Securities, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnNonImpairedSecuritiesComponent_lbl" xml:lang="en-US">Net Unrealized Gain (Loss) on Non-Impaired Securities, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnNonImpairedSecuritiesComponent_lbl" xml:lang="en-US">Net unrealized gain (loss) on non-impaired securities component of Accumulated Other Comprehensive Income.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnImpairedSecuritiesComponent" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnImpairedSecuritiesComponent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnImpairedSecuritiesComponent" xlink:to="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnImpairedSecuritiesComponent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnImpairedSecuritiesComponent_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income Net Unrealized Gain Loss on Impaired Securities Component</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnImpairedSecuritiesComponent_lbl" xml:lang="en-US">Net unrealized gain (loss) on impaired securities, Ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnImpairedSecuritiesComponent_lbl" xml:lang="en-US">Net unrealized gain (loss) on impaired securities, Beginning balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeNetUnrealizedGainLossOnImpairedSecuritiesComponent_lbl" xml:lang="en-US">Net unrealized gain (loss) on impaired securities component of Accumulated Other Comprehensive Income.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AccumulatedOtherComprehensiveIncomeDacAndVobaComponent" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeDacAndVobaComponent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AccumulatedOtherComprehensiveIncomeDacAndVobaComponent" xlink:to="kcli_AccumulatedOtherComprehensiveIncomeDacAndVobaComponent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeDacAndVobaComponent_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income DAC and VOBA Component</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeDacAndVobaComponent_lbl" xml:lang="en-US">DAC\VOBA Impact, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeDacAndVobaComponent_lbl" xml:lang="en-US">DAC\VOBA Impact, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeDacAndVobaComponent_lbl" xml:lang="en-US">Deferred policy acquisition costs and value of business acquired component of Accumulated Other Comprehensive Income.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AccumulatedOtherComprehensiveIncomeFuturePolicyBenefitsComponent" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeFuturePolicyBenefitsComponent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AccumulatedOtherComprehensiveIncomeFuturePolicyBenefitsComponent" xlink:to="kcli_AccumulatedOtherComprehensiveIncomeFuturePolicyBenefitsComponent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeFuturePolicyBenefitsComponent_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income Future Policy Benefits Component</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeFuturePolicyBenefitsComponent_lbl" xml:lang="en-US">Future policy benefits, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeFuturePolicyBenefitsComponent_lbl" xml:lang="en-US">Future policy benefits, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeFuturePolicyBenefitsComponent_lbl" xml:lang="en-US">Future Policy Benefits component of Accumulated Other Comprehensive Income.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AccumulatedOtherComprehensiveIncomePolicyholderAccountBalancesComponent" xlink:label="kcli_AccumulatedOtherComprehensiveIncomePolicyholderAccountBalancesComponent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AccumulatedOtherComprehensiveIncomePolicyholderAccountBalancesComponent" xlink:to="kcli_AccumulatedOtherComprehensiveIncomePolicyholderAccountBalancesComponent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AccumulatedOtherComprehensiveIncomePolicyholderAccountBalancesComponent_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income Policyholder Account Balances Component</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomePolicyholderAccountBalancesComponent_lbl" xml:lang="en-US">Policyholder Account, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomePolicyholderAccountBalancesComponent_lbl" xml:lang="en-US">Policyholder Account, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AccumulatedOtherComprehensiveIncomePolicyholderAccountBalancesComponent_lbl" xml:lang="en-US">Policyholder Account Balances component of Accumulated Other Comprehensive Income.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AccumulatedOtherComprehensiveIncomeTaxEffectComponent" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeTaxEffectComponent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AccumulatedOtherComprehensiveIncomeTaxEffectComponent" xlink:to="kcli_AccumulatedOtherComprehensiveIncomeTaxEffectComponent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeTaxEffectComponent_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income Tax Effect Component</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeTaxEffectComponent_lbl" xml:lang="en-US">Tax Effect, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeTaxEffectComponent_lbl" xml:lang="en-US">Tax Effect, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AccumulatedOtherComprehensiveIncomeTaxEffectComponent_lbl" xml:lang="en-US">Tax effect component of Accumulated Other Comprehensive Income.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AverageNumberOfSharesOutstandingBothBasicAndDiluted" xlink:label="kcli_AverageNumberOfSharesOutstandingBothBasicAndDiluted" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AverageNumberOfSharesOutstandingBothBasicAndDiluted" xlink:to="kcli_AverageNumberOfSharesOutstandingBothBasicAndDiluted_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AverageNumberOfSharesOutstandingBothBasicAndDiluted_lbl" xml:lang="en-US">Average Number of Shares Outstanding Both Basic and Diluted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AverageNumberOfSharesOutstandingBothBasicAndDiluted_lbl" xml:lang="en-US">Average number of shares outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AverageNumberOfSharesOutstandingBothBasicAndDiluted_lbl" xml:lang="en-US">Average number of shares outstanding both basic and diluted.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xlink:label="us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xlink:to="lab_AvailableForSaleEquitySecuritiesAmortizedCostBasis" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xml:lang="en-US">Available-for-sale Equity Securities, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xml:lang="en-US">Equity securities available for sale, at carrying value</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesAbstract" xlink:label="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesAbstract" xlink:to="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesAbstract_lbl" xml:lang="en-US">Gross Mortgage Loan Principal Outstanding and Allowance for Potential Future Losses [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesAbstract_lbl" xml:lang="en-US">Gross mortgage loan principal outstanding and allowance for potential future losses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesAbstract_lbl" xml:lang="en-US">Gross mortgage loan principal outstanding and allowance for potential future losses</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesTableTextBlock" xlink:label="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesTableTextBlock" xlink:to="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesTableTextBlock_lbl" xml:lang="en-US">Gross Mortgage Loan Principal Outstanding and Allowance for Potential Future Losses [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesTableTextBlock_lbl" xml:lang="en-US">Gross mortgage loan principal outstanding and allowance for potential future losses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_GrossMortgageLoanPrincipalOutstandingAndAllowanceForPotentialFutureLossesTableTextBlock_lbl" xml:lang="en-US">Gross mortgage loan principal outstanding and allowance for potential future losses</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FairValueMeasurementsUnobservableInputs" xlink:label="kcli_FairValueMeasurementsUnobservableInputs" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FairValueMeasurementsUnobservableInputs" xlink:to="kcli_FairValueMeasurementsUnobservableInputs_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FairValueMeasurementsUnobservableInputs_lbl" xml:lang="en-US">Fair Value Measurements Unobservable Inputs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FairValueMeasurementsUnobservableInputs_lbl" xml:lang="en-US">Fair Value Measurements Unobservable Inputs.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FairValueMeasurementsUnobservableInputs_lbl" xml:lang="en-US">Fair Value Measurements Unobservable Inputs</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PricesObtainedForNumberOfSecuritiesFromBrokers" xlink:label="kcli_PricesObtainedForNumberOfSecuritiesFromBrokers" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PricesObtainedForNumberOfSecuritiesFromBrokers" xlink:to="kcli_PricesObtainedForNumberOfSecuritiesFromBrokers_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PricesObtainedForNumberOfSecuritiesFromBrokers_lbl" xml:lang="en-US">Prices Obtained for Number of Securities from Brokers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PricesObtainedForNumberOfSecuritiesFromBrokers_lbl" xml:lang="en-US">Prices obtained for the number of securities from brokers.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PricesObtainedForNumberOfSecuritiesFromBrokers_lbl" xml:lang="en-US">Prices obtained for the number of securities from brokers</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_AgentSpecificLoansMember" xlink:label="kcli_AgentSpecificLoansMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_AgentSpecificLoansMember" xlink:to="kcli_AgentSpecificLoansMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_AgentSpecificLoansMember_lbl" xml:lang="en-US">Agent Specific Loans [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_AgentSpecificLoansMember_lbl" xml:lang="en-US">Agent specific loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_AgentSpecificLoansMember_lbl" xml:lang="en-US">Agent specific loans [Member]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_OtherComprehensiveIncomeLossEffectOnDacAndVoba" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVoba" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVoba" xlink:to="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVoba_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVoba_lbl" xml:lang="en-US">Other Comprehensive Income Loss Effect on DAC and VOBA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVoba_lbl" xml:lang="en-US">Other Comprehensive Income, DAC\VOBA Impact</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_OtherComprehensiveIncomeLossEffectOnDacAndVoba_lbl" xml:lang="en-US">Other comprehensive income loss effect on DAC and VOBA.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="us-gaap_CommonStockSharesOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesOutstanding" xlink:to="lab_CommonStockSharesOutstanding" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_CommonStockSharesOutstanding" xml:lang="en-US">Common Stock, Shares, Outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_CommonStockSharesOutstanding" xml:lang="en-US">Number of shares outstanding</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendsPayableDateDeclaredDayMonthAndYear" xlink:label="us-gaap_DividendsPayableDateDeclaredDayMonthAndYear" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPayableDateDeclaredDayMonthAndYear" xlink:to="lab_DividendsPayableDateDeclaredDayMonthAndYear" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DividendsPayableDateDeclaredDayMonthAndYear" xml:lang="en-US">Dividends Payable, Date Declared</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DividendsPayableDateDeclaredDayMonthAndYear" xml:lang="en-US">Dividend payable, declaration date</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendsPayableDateOfRecordDayMonthAndYear" xlink:label="us-gaap_DividendsPayableDateOfRecordDayMonthAndYear" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPayableDateOfRecordDayMonthAndYear" xlink:to="lab_DividendsPayableDateOfRecordDayMonthAndYear" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DividendsPayableDateOfRecordDayMonthAndYear" xml:lang="en-US">Dividends Payable, Date of Record</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DividendsPayableDateOfRecordDayMonthAndYear" xml:lang="en-US">Dividend payable, record date</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendPayableDateToBePaidDayMonthAndYear" xlink:label="us-gaap_DividendPayableDateToBePaidDayMonthAndYear" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendPayableDateToBePaidDayMonthAndYear" xlink:to="lab_DividendPayableDateToBePaidDayMonthAndYear" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DividendPayableDateToBePaidDayMonthAndYear" xml:lang="en-US">Dividends Payable, Date to be Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_DividendPayableDateToBePaidDayMonthAndYear" xml:lang="en-US">Dividend payable, payable date</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_TreasuryStockImmaterialCorrection" xlink:label="kcli_TreasuryStockImmaterialCorrection" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_TreasuryStockImmaterialCorrection" xlink:to="kcli_TreasuryStockImmaterialCorrection_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_TreasuryStockImmaterialCorrection_lbl" xml:lang="en-US">Treasury Stock Immaterial Correction</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_TreasuryStockImmaterialCorrection_lbl" xml:lang="en-US">Immaterial correction</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_TreasuryStockImmaterialCorrection_lbl" xml:lang="en-US">Treasury Stock Immaterial Correction.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockValue" xlink:label="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockValue" xlink:to="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockValue_lbl" xml:lang="en-US">Immaterial Error Correction Reclassification from Other Assets to Treasury Stock Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockValue_lbl" xml:lang="en-US">Reclassification from other assets to treasury stock, Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockValue_lbl" xml:lang="en-US">Immaterial Error Correction Reclassification From Other Assets To Treasury Stock Value.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockShares" xlink:label="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockShares" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockShares" xlink:to="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockShares_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockShares_lbl" xml:lang="en-US">Immaterial Error Correction Reclassification from Other Assets to Treasury Stock Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockShares_lbl" xml:lang="en-US">Reclassification from other assets to treasury stock, Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_ImmaterialErrorCorrectionReclassificationFromOtherAssetsToTreasuryStockShares_lbl" xml:lang="en-US">Immaterial Error Correction Reclassification From Other Assets To Treasury Stock Shares.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MortgageLoansOnRealEstateCommercialAndConsumerPrincipalOutstanding" xlink:label="kcli_MortgageLoansOnRealEstateCommercialAndConsumerPrincipalOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MortgageLoansOnRealEstateCommercialAndConsumerPrincipalOutstanding" xlink:to="kcli_MortgageLoansOnRealEstateCommercialAndConsumerPrincipalOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MortgageLoansOnRealEstateCommercialAndConsumerPrincipalOutstanding_lbl" xml:lang="en-US">Mortgage Loans on Real Estate Commercial and Consumer Principal Outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_MortgageLoansOnRealEstateCommercialAndConsumerPrincipalOutstanding_lbl" xml:lang="en-US">Principal outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MortgageLoansOnRealEstateCommercialAndConsumerPrincipalOutstanding_lbl" xml:lang="en-US">Mortgage Loans On Real Estate Commercial And Consumer Principal Outstanding.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_MinimumPercentageAsConcentrationOfMortgageLoansByState" xlink:label="kcli_MinimumPercentageAsConcentrationOfMortgageLoansByState" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_MinimumPercentageAsConcentrationOfMortgageLoansByState" xlink:to="kcli_MinimumPercentageAsConcentrationOfMortgageLoansByState_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_MinimumPercentageAsConcentrationOfMortgageLoansByState_lbl" xml:lang="en-US">Minimum Percentage as Concentration of Mortgage Loans by State</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_MinimumPercentageAsConcentrationOfMortgageLoansByState_lbl" xml:lang="en-US">Percentage of concentration of mortgage loans by state</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_MinimumPercentageAsConcentrationOfMortgageLoansByState_lbl" xml:lang="en-US">Minimum Percentage As Concentration Of Mortgage Loans By State.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_FinancingReceivableRecordedInvestmentGross" xlink:label="kcli_FinancingReceivableRecordedInvestmentGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_FinancingReceivableRecordedInvestmentGross" xlink:to="kcli_FinancingReceivableRecordedInvestmentGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_FinancingReceivableRecordedInvestmentGross_lbl" xml:lang="en-US">Financing Receivable Recorded Investment Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_FinancingReceivableRecordedInvestmentGross_lbl" xml:lang="en-US">Financing receivables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_FinancingReceivableRecordedInvestmentGross_lbl" xml:lang="en-US">Financing Receivable Recorded Investment Gross.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NetInsuranceIncomeAbstract" xlink:label="kcli_NetInsuranceIncomeAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NetInsuranceIncomeAbstract" xlink:to="kcli_NetInsuranceIncomeAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NetInsuranceIncomeAbstract_lbl" xml:lang="en-US">Net Insurance Income [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NetInsuranceIncomeAbstract_lbl" xml:lang="en-US">Net insurance income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NetInsuranceIncomeAbstract_lbl" xml:lang="en-US">Insurance revenues:</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_NumberOfMajorCommercialBanks" xlink:label="kcli_NumberOfMajorCommercialBanks" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_NumberOfMajorCommercialBanks" xlink:to="kcli_NumberOfMajorCommercialBanks_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_NumberOfMajorCommercialBanks_lbl" xml:lang="en-US">Number of Major Commercial Banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_NumberOfMajorCommercialBanks_lbl" xml:lang="en-US">Number of major commercial banks.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_NumberOfMajorCommercialBanks_lbl" xml:lang="en-US">Number of major commercial banks</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_PaymentsMadeUnderShareBasedCompensation" xlink:label="kcli_PaymentsMadeUnderShareBasedCompensation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_PaymentsMadeUnderShareBasedCompensation" xlink:to="kcli_PaymentsMadeUnderShareBasedCompensation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_PaymentsMadeUnderShareBasedCompensation_lbl" xml:lang="en-US">Payments Made Under Share Based Compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_PaymentsMadeUnderShareBasedCompensation_lbl" xml:lang="en-US">Payments made under share based compensation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_PaymentsMadeUnderShareBasedCompensation_lbl" xml:lang="en-US">Payments made under share based compensation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2012/invest-2012-01-31.xsd#invest_InvestmentLineItems" xlink:label="invest_InvestmentLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="invest_InvestmentLineItems" xlink:to="lab_InvestmentLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_InvestmentLineItems" xml:lang="en-US">Investment [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_VariableInterestEntityLineItems" xlink:label="us-gaap_VariableInterestEntityLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntityLineItems" xlink:to="lab_VariableInterestEntityLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_VariableInterestEntityLineItems" xml:lang="en-US">Variable Interest Entity [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetAmountAtRiskByProductAndGuaranteeLineItems" xlink:label="us-gaap_NetAmountAtRiskByProductAndGuaranteeLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetAmountAtRiskByProductAndGuaranteeLineItems" xlink:to="lab_NetAmountAtRiskByProductAndGuaranteeLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_NetAmountAtRiskByProductAndGuaranteeLineItems" xml:lang="en-US">Net Amount at Risk by Product and Guarantee [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:label="us-gaap_DefinedBenefitPlanDisclosureLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:to="lab_DefinedBenefitPlanDisclosureLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_DefinedBenefitPlanDisclosureLineItems" xml:lang="en-US">Defined Benefit Plan Disclosure [Line Items]</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SpreadAdjustmentBasisPointWeightedAverageOfRangeFairValueMeasurement" xlink:label="kcli_SpreadAdjustmentBasisPointWeightedAverageOfRangeFairValueMeasurement" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SpreadAdjustmentBasisPointWeightedAverageOfRangeFairValueMeasurement" xlink:to="kcli_SpreadAdjustmentBasisPointWeightedAverageOfRangeFairValueMeasurement_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SpreadAdjustmentBasisPointWeightedAverageOfRangeFairValueMeasurement_lbl" xml:lang="en-US">Spread Adjustment Basis Point Weighted Average Of Range Fair Value Measurement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SpreadAdjustmentBasisPointWeightedAverageOfRangeFairValueMeasurement_lbl" xml:lang="en-US">Fair value input Spread adjustment percentage of Weighted Average for Fair Value Measurement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SpreadAdjustmentBasisPointWeightedAverageOfRangeFairValueMeasurement_lbl" xml:lang="en-US">Weighted average of spread adjustment range in basis points for fair value measurements.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_SpreadAdjustmentBasisPointRangeFairValueMeasurement" xlink:label="kcli_SpreadAdjustmentBasisPointRangeFairValueMeasurement" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_SpreadAdjustmentBasisPointRangeFairValueMeasurement" xlink:to="kcli_SpreadAdjustmentBasisPointRangeFairValueMeasurement_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_SpreadAdjustmentBasisPointRangeFairValueMeasurement_lbl" xml:lang="en-US">Spread Adjustment Basis Point Range Fair Value Measurement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_SpreadAdjustmentBasisPointRangeFairValueMeasurement_lbl" xml:lang="en-US">Fair value inputs spread adjustment, range</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_SpreadAdjustmentBasisPointRangeFairValueMeasurement_lbl" xml:lang="en-US">Spread adjustment range in basis points for fair value measurements.</label>
    <loc xlink:type="locator" xlink:href="kcli-20120630.xsd#kcli_EffectiveIncomeTaxRateReconciliationPermanentDifferences" xlink:label="kcli_EffectiveIncomeTaxRateReconciliationPermanentDifferences" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kcli_EffectiveIncomeTaxRateReconciliationPermanentDifferences" xlink:to="kcli_EffectiveIncomeTaxRateReconciliationPermanentDifferences_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kcli_EffectiveIncomeTaxRateReconciliationPermanentDifferences_lbl" xml:lang="en-US">Effective Income Tax Rate Reconciliation Permanent Differences</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kcli_EffectiveIncomeTaxRateReconciliationPermanentDifferences_lbl" xml:lang="en-US">Permanent differences</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kcli_EffectiveIncomeTaxRateReconciliationPermanentDifferences_lbl" xml:lang="en-US">The portion of the difference between the effective income tax rate and domestic federal statutory income tax rate attributable to permanent differences.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:label="us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:to="lab_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xml:lang="en-US">Schedule of Trading Securities and Other Trading Assets [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:to="lab_ScheduleOfAvailableForSaleSecuritiesLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ScheduleOfAvailableForSaleSecuritiesLineItems" xml:lang="en-US">Schedule of Available-for-sale Securities [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PurchaseCommitmentExcludingLongtermCommitmentLineItems" xlink:label="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PurchaseCommitmentExcludingLongtermCommitmentLineItems" xlink:to="lab_PurchaseCommitmentExcludingLongtermCommitmentLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PurchaseCommitmentExcludingLongtermCommitmentLineItems" xml:lang="en-US">Purchase Commitment, Excluding Long-term Commitment [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SupplementaryInsuranceInformationBySegmentLineItems" xlink:label="us-gaap_SupplementaryInsuranceInformationBySegmentLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementaryInsuranceInformationBySegmentLineItems" xlink:to="lab_SupplementaryInsuranceInformationBySegmentLineItems" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_SupplementaryInsuranceInformationBySegmentLineItems" xml:lang="en-US">Supplementary Insurance Information, by Segment [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="us-gaap_PaymentsOfDividendsCommonStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsCommonStock" xlink:to="lab_PaymentsOfDividendsCommonStock" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_PaymentsOfDividendsCommonStock" xml:lang="en-US">Payments of Ordinary Dividends, Common Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_PaymentsOfDividendsCommonStock" xml:lang="en-US">Cash dividends to stockholders</label>
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