The malaise affecting the life insurance sector, which has been highlighted by several companies in recent weeks, has hit National Australia Bank's wealth division.Life insurers report that more people, especially ageing Baby Boomers, are giving up their life insurance, and that claims in a variety of areas have become more frequent and more complex to deal with.NAB's life insurance business made a loss of A$18 million in the six months to September. For the full year to September it made a profit of $30 million - down from $169 million in the previous corresponding period.This outcome was the result of higher claims and a strengthening of reserves.NAB's executive director of finance, Mark Joiner, said there were higher claims for disability and group business. He said claims had become more complex, involving issues such as mental health.He said there was also a deterioration in the insurance company's lapse experience.