The UAE is more inactive than the global average. AP
The UAE is more inactive than the global average. AP
The UAE is more inactive than the global average. AP
The UAE is more inactive than the global average. AP

It’s time for us all to exercise some common sense


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The news from the World Health Organisation that a quarter of the world’s population is failing to get enough exercise should prompt all of us to take a look in the mirror. This isn’t about vanity, but living a long and healthy life.

Unless we do at least 150 minutes of moderate, or 75 minutes of vigorous activity every week, we increase our risk of cardiovascular disease, high blood pressure, obesity, diabetes, breast and colon cancer and dementia. In the UAE 41.4 per cent of people are failing to achieve these modest targets – 39 per cent of men and 49 per cent of women. That's not as bad as in Kuwait which, with 67 per cent of the population physically idle, is the world's least active country, but is much worse than the global average.

With some of the highest levels of obesity and diabetes in the world, the UAE is at risk of a health and social-care crisis. In that light, exercising becomes a civic duty. Of course, in hot countries such as the UAE, people understandably tend to avoid walking even moderate distances.

Some of the benefits of living in an advanced country also conspire against best intentions – an excellent healthcare system acts as a psychological safety net, discouraging a proactive approach to personal wellbeing.

Regardless, there are plenty of opportunities for exercise, from the numberless gyms to events such as the Dubai Fitness Challenge, which aims to commit residents to 30 minutes of exercise a day for 30 days.

Governments, says WHO, must introduce policies to increase levels of activity. But ultimately, the responsibility lies with each of us – not just to exercise, but to eat and live healthily. By neglecting our health we put ourselves at great risk, store up heartache for loved ones and contribute to an unsustainable national burden.

It behoves us all not to rest on our laurels, safe in the knowledge that the UAE's superb offering of world-class hospitals and doctors will step in should our health take a turn. Rather we must be both proactive and hollistic in the way we approach our health.

Lexus LX700h specs

Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor

Power: 464hp at 5,200rpm

Torque: 790Nm from 2,000-3,600rpm

Transmission: 10-speed auto

Fuel consumption: 11.7L/100km

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UAE: Thunder Snow/Saeed bin Suroor (trainer), North America/Satish Seemar, Drafted/Doug Watson, New Trails/Ahmad bin Harmash, Capezzano, Gronkowski, Axelrod, all trained by Salem bin Ghadayer

USA: Seeking The Soul/Dallas Stewart, Imperial Hunt/Luis Carvajal Jr, Audible/Todd Pletcher, Roy H/Peter Miller, Yoshida/William Mott, Promises Fulfilled/Dale Romans, Gunnevera/Antonio Sano, XY Jet/Jorge Navarro, Pavel/Doug O’Neill, Switzerland/Steve Asmussen.

Japan: Matera Sky/Hideyuki Mori, KT Brace/Haruki Sugiyama. Bahrain: Nine Below Zero/Fawzi Nass. Ireland: Tato Key/David Marnane. Hong Kong: Fight Hero/Me Tsui. South Korea: Dolkong/Simon Foster.

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Engine: 2-litre TSI petrol

Power: 190hp

Torque: 320Nm

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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Torque: 330Nm (Cooper and Aceman), 494Nm (Countryman)
On sale: Now
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