Cup of life? Espresso coffee at the historic Gran Caffe Gambrinus in Naples, Italy. AFP
Cup of life? Espresso coffee at the historic Gran Caffe Gambrinus in Naples, Italy. AFP
Cup of life? Espresso coffee at the historic Gran Caffe Gambrinus in Naples, Italy. AFP
Cup of life? Espresso coffee at the historic Gran Caffe Gambrinus in Naples, Italy. AFP

Drinking coffee could help you live longer, research finds


Soraya Ebrahimi
  • English
  • Arabic

Drinking moderate amounts of sweetened or unsweetened coffee, between 1.5 and 3.5 cups a day, could help you to live longer, a study has found.

Researchers from Southern Medical University in Guangzhou, China, used data from the UK Biobank health questionnaire to evaluate the associations of sugar-sweetened, artificially sweetened, and unsweetened coffee with all-cause and cause-specific deaths.

Their findings are featured in Annals of Internal Medicine.

More than 171,000 participants from the UK without known heart disease or cancer were asked dietary and behaviour questions to determine their coffee habits.

Those who drank any amount of unsweetened coffee were 16 to 21 per cent less likely to die in the following seven years than participants who did not drink coffee, the authors found.

They also found that participants who drank 1.5 to 3.5 daily cups of coffee sweetened with sugar were 29 to 31 per cent less likely to die than those who did not drink coffee.

Adults who drank sugar-sweetened coffee added only about 1 teaspoon of sugar for each cup of coffee on average.

The results for those who used artificial sweeteners were less clear, the study’s authors said.

Previous studies have found that drinking consumption is associated with a lower risk of death, but did not distinguish between unsweetened coffee and coffee with sugar or artificial sweeteners.

Researchers have said that there are a number of variables to consider when looking at the headline findings.

They said, for example, that while coffee has qualities that could be beneficial to health, it was difficult to measure differences in socioeconomic status, diet and other lifestyle factors that may affect findings.

Also, the data is collected from a country where tea is a similarly popular beverage.

They also caution that the average amount of daily sugar for each cup of coffee recorded in the study is much lower than drinks bought at popular coffee chains.

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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.

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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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In 2016, the Shaded Dome was awarded with the 'De Vernufteling' people's choice award, an annual prize by the Dutch Association of Consulting Engineers and the Royal Netherlands Society of Engineers for the most innovative project by a Dutch engineering firm.

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Global institutions: BlackRock and KKR

US-based BlackRock is the world's largest asset manager, with $5.98 trillion of assets under management as of the end of last year. The New York firm run by Larry Fink provides investment management services to institutional clients and retail investors including governments, sovereign wealth funds, corporations, banks and charitable foundations around the world, through a variety of investment vehicles.

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Updated: May 31, 2022, 3:53 AM`