Motorcyclists cover their faces to protect against heavy smog in New Delhi on October 20, 2017, the day after millions of Indians celebrated the Diwali Festival by lighting firecrackers. Dominique Faget / AFP
Motorcyclists cover their faces to protect against heavy smog in New Delhi on October 20, 2017, the day after millions of Indians celebrated the Diwali Festival by lighting firecrackers. Dominique Faget / AFP
Motorcyclists cover their faces to protect against heavy smog in New Delhi on October 20, 2017, the day after millions of Indians celebrated the Diwali Festival by lighting firecrackers. Dominique Faget / AFP
Motorcyclists cover their faces to protect against heavy smog in New Delhi on October 20, 2017, the day after millions of Indians celebrated the Diwali Festival by lighting firecrackers. Dominique Fag

Pollution responsible for nine million deaths in 2015, study finds


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Pollution claimed the lives of nine million people in 2015, one in every six deaths that year, according to a report published on Friday.

Almost all the deaths, 92 per cent, happened in low- and middle-income countries, it said, with air pollution the main culprit, felling 6.5 million people.

Almost half of the total toll came from just two countries - India and China - researchers reported in The Lancet medical journal.

In rapidly-industrialising countries such as India, Pakistan, China, Bangladesh, Madagascar and Kenya, pollution can account for as many as one in four deaths, they said.

"Pollution and related diseases most often affect the world's poor and powerless, and victims are often the vulnerable and the voiceless," said co-author Karti Sandilya of Pure Earth, an anti-pollution NGO.

"As a result, pollution threatens fundamental human rights, such as the right to life, health, well-being, safe work, as well as protections of children and the most vulnerable."

With global welfare losses of about US$4.6 trillion (Dh17 trillion) per year, the economic cost of pollution-related deaths and disease is also concentrated in the developing world.

"Proportionally, low-income countries pay 8.3 per cent of their gross national income to pollution-related death and disease, while high-income countries pay 4.5 per cent," the researchers said.

Aside from outright poisoning, pollution causes an array of deadly ailments such as heart disease, stroke, lung cancer and chronic obstructive pulmonary disease.

The deadliest form, responsible for more than two-thirds of deaths, was air pollution, they added.

This includes outdoor pollution from factory and car emissions, and indoor pollution from wood, charcoal, coal, dung or crop waste being burnt for heating and cooking.

After water pollution in second place with 1.8 million deaths, "workplace pollution including exposure to toxins and carcinogens was linked to 0.8 million deaths", the report said.

These included the lung disease pneumoconiosis in coal workers, bladder cancer in dye workers, and asbestosis and lung cancer in workers exposed to asbestos.

"Lead pollution was linked to 0.5 million deaths that resulted from high blood pressure, renal failure and cardiovascular disease," said the report.

In a separate comment, The Lancet editors Pamela Das and Richard Horton said the report came at a "worrisome time, when the US government's Environmental Protection Agency, headed by Scott Pruitt, is undermining established environmental regulations".

The latest findings, they added, should serve as a "call to action".

"Pollution is a winnable battle.... Current and future generations deserve a pollution-free world," the editors wrote.

Mr Pruitt announced this month the US would pull out of former president Barack Obama's Clean Power Plan.

There was some good news in the report too.

Deaths due to water and household air pollution dropped from 5.9 million in 1990 to 4.2 million in 2015, as poor countries became richer.

On the other hand, deaths from pollution associated with industrial development - such as outdoor air pollution, chemical and soil pollution, increased from 4.3 million to 5.5 million over the same period.

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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.

Key Points
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A Bad Moms Christmas
Dir: John Lucas and Scott Moore
Starring: Mila Kunis, Kathryn Hahn, Kristen Bell, Susan Sarandon, Christine Baranski, Cheryl Hines
Two stars