<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019d2707-616f-75fd-820a-d69b136892e4,g:d1250cba-a18b-4074-ab92-80d1f195695d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_ck0000927730_CombinationRollUpAndHighestQuarterlyAnniversaryValueGMDBMember_label_en-US" xlink:label="lab_ck0000927730_CombinationRollUpAndHighestQuarterlyAnniversaryValueGMDBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Combination Roll-up and Highest Quarterly Anniversary Value GMDB [Member]</link:label>
    <link:label id="lab_ck0000927730_CombinationRollUpAndHighestQuarterlyAnniversaryValueGMDBMember_documentation_en-US" xlink:label="lab_ck0000927730_CombinationRollUpAndHighestQuarterlyAnniversaryValueGMDBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Combination Roll-up and Highest Quarterly Anniversary Value GMDB</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_CombinationRollUpAndHighestQuarterlyAnniversaryValueGMDBMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_CombinationRollUpAndHighestQuarterlyAnniversaryValueGMDBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_CombinationRollUpAndHighestQuarterlyAnniversaryValueGMDBMember" xlink:to="lab_ck0000927730_CombinationRollUpAndHighestQuarterlyAnniversaryValueGMDBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexGMWBJointValueMember_label_en-US" xlink:label="lab_ck0000927730_FlexGMWBJointValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex GMWB Joint Value [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexGMWBJointValueMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexGMWBJointValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex GMWB Joint Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexGMWBJointValueMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexGMWBJointValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexGMWBJointValueMember" xlink:to="lab_ck0000927730_FlexGMWBJointValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexGMWBSingleCoreMember_label_en-US" xlink:label="lab_ck0000927730_FlexGMWBSingleCoreMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex GMWB Single Core [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexGMWBSingleCoreMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexGMWBSingleCoreMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex GMWB Single Core</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexGMWBSingleCoreMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexGMWBSingleCoreMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexGMWBSingleCoreMember" xlink:to="lab_ck0000927730_FlexGMWBSingleCoreMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexGMWBJointPlusMember_label_en-US" xlink:label="lab_ck0000927730_FlexGMWBJointPlusMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex GMWB Joint Plus [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexGMWBJointPlusMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexGMWBJointPlusMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex GMWB Joint Plus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexGMWBJointPlusMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexGMWBJointPlusMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexGMWBJointPlusMember" xlink:to="lab_ck0000927730_FlexGMWBJointPlusMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexDBValueMember_label_en-US" xlink:label="lab_ck0000927730_FlexDBValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex DB - Value [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexDBValueMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexDBValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex DB - Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexDBValueMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexDBValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexDBValueMember" xlink:to="lab_ck0000927730_FlexDBValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_HighestQuarterlyAnniversaryValueGMDBMember_label_en-US" xlink:label="lab_ck0000927730_HighestQuarterlyAnniversaryValueGMDBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Highest Quarterly Anniversary Value GMDB [Member]</link:label>
    <link:label id="lab_ck0000927730_HighestQuarterlyAnniversaryValueGMDBMember_documentation_en-US" xlink:label="lab_ck0000927730_HighestQuarterlyAnniversaryValueGMDBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Highest Quarterly Anniversary Value GMDB</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_HighestQuarterlyAnniversaryValueGMDBMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_HighestQuarterlyAnniversaryValueGMDBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_HighestQuarterlyAnniversaryValueGMDBMember" xlink:to="lab_ck0000927730_HighestQuarterlyAnniversaryValueGMDBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexGMWBSingleValueMember_label_en-US" xlink:label="lab_ck0000927730_FlexGMWBSingleValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex GMWB Single Value [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexGMWBSingleValueMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexGMWBSingleValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex GMWB Single Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexGMWBSingleValueMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexGMWBSingleValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexGMWBSingleValueMember" xlink:to="lab_ck0000927730_FlexGMWBSingleValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexGMWBSingleMember_label_en-US" xlink:label="lab_ck0000927730_FlexGMWBSingleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex GMWB Single [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexGMWBSingleMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexGMWBSingleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex GMWB Single</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexGMWBSingleMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexGMWBSingleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexGMWBSingleMember" xlink:to="lab_ck0000927730_FlexGMWBSingleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexGMWBSinglePlusMember_label_en-US" xlink:label="lab_ck0000927730_FlexGMWBSinglePlusMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex GMWB Single Plus [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexGMWBSinglePlusMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexGMWBSinglePlusMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex GMWB Single Plus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexGMWBSinglePlusMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexGMWBSinglePlusMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexGMWBSinglePlusMember" xlink:to="lab_ck0000927730_FlexGMWBSinglePlusMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexGMWBJointCoreMember_label_en-US" xlink:label="lab_ck0000927730_FlexGMWBJointCoreMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex GMWB Joint Core [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexGMWBJointCoreMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexGMWBJointCoreMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex GMWB Joint Core</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexGMWBJointCoreMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexGMWBJointCoreMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexGMWBJointCoreMember" xlink:to="lab_ck0000927730_FlexGMWBJointCoreMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexDBMember_label_en-US" xlink:label="lab_ck0000927730_FlexDBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex DB [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexDBMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexDBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex DB</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexDBMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexDBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexDBMember" xlink:to="lab_ck0000927730_FlexDBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_C000218281Member_label_en-US" xlink:label="lab_ck0000927730_C000218281Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">C000218281 [Member]</link:label>
    <link:label id="lab_ck0000927730_C000218281Member_documentation_en-US" xlink:label="lab_ck0000927730_C000218281Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">C000218281</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_C000218281Member" xlink:href="ck0000927730-20260813.xsd#ck0000927730_C000218281Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_C000218281Member" xlink:to="lab_ck0000927730_C000218281Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexDBCoreMember_label_en-US" xlink:label="lab_ck0000927730_FlexDBCoreMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex DB - Core [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexDBCoreMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexDBCoreMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex DB - Core</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexDBCoreMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexDBCoreMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexDBCoreMember" xlink:to="lab_ck0000927730_FlexDBCoreMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_FlexGMWBJointMember_label_en-US" xlink:label="lab_ck0000927730_FlexGMWBJointMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flex GMWB Joint [Member]</link:label>
    <link:label id="lab_ck0000927730_FlexGMWBJointMember_documentation_en-US" xlink:label="lab_ck0000927730_FlexGMWBJointMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flex GMWB Joint</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_FlexGMWBJointMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_FlexGMWBJointMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_FlexGMWBJointMember" xlink:to="lab_ck0000927730_FlexGMWBJointMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ck0000927730_RollUpGMDBMember_label_en-US" xlink:label="lab_ck0000927730_RollUpGMDBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Roll-up GMDB [Member]</link:label>
    <link:label id="lab_ck0000927730_RollUpGMDBMember_documentation_en-US" xlink:label="lab_ck0000927730_RollUpGMDBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Roll-up GMDB</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ck0000927730_RollUpGMDBMember" xlink:href="ck0000927730-20260813.xsd#ck0000927730_RollUpGMDBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ck0000927730_RollUpGMDBMember" xlink:to="lab_ck0000927730_RollUpGMDBMember" xlink:type="arc" order="1"/>
  </link:labelLink>
</link:linkbase>
