Chocolate containing insects at the stand of the International Centre of Insect Physiology and Ecology Nairobi during the last day of the International Green Week IGW in Berlin, Germany, 28 January 2018. Clemens Bilan / EPA
Chocolate containing insects at the stand of the International Centre of Insect Physiology and Ecology Nairobi during the last day of the International Green Week IGW in Berlin, Germany, 28 January 20Show more

World Government Summit: Making insects 'tastier' could alleviate global hunger



Making insects more palatable for human consumption could help to tackle food shortages at a time when the growing global population is putting unprecedented pressure on traditional sources of protein.

Speaking at the World Government Summit in Dubai, experts said governments have a huge role to play in managing new avenues of agriculture and steer populations away from less sustainable, traditional models of food supply.

And there are many ways that insects - which are plentiful and often the source of good protein - could be either added to supplies of fish and chicken, or eaten directly.

“There are a mind boggling number of opportunities - as there are thousands of different species,” said Kees Aarts, chief executive officer of Protix, a Dutch company developing smart technologies to efficiently convert end-of-life organic waste into valuable nutrients.

“In nature, many animals feed on insects naturally so there is huge potential for farming in this area, as does our own consumption.

“There are a lot of diverse, tasty and colourful insect dishes that could be added to our plates.”

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According to the World Health Organisation, after steadily declining for over a decade, global hunger is on the rise again, affecting 815 million people in 2016, or 11 per cent of the global population.

The increase of 38 million more people than the previous year is largely due to violent conflicts and climate-related shocks, according to The State of Food Security and Nutrition in the World 2017.

Although already active in Asia, Protix is looking to expand into the US market, one of the largest consumers of meat.

“This consumption is having a huge environmental impact,” said Mr Aarts.

“Education can reduce the amount of meat consumption, and increase the use of alternative protein sources – such as insects.

“The best thing people can do to help make a difference is become curious about where their protein comes from, and how they can eat more healthily.

“Governments play a pivotal role in food safety issues and we’ve set out to professionalise the new growing insect industry with their help.”

Dolittle

Director: Stephen Gaghan

Stars: Robert Downey Jr, Michael Sheen

One-and-a-half out of five stars

TOUCH RULES

Touch is derived from rugby league. Teams consist of up to 14 players with a maximum of six on the field at any time.

Teams can make as many substitutions as they want during the 40 minute matches.

Similar to rugby league, the attacking team has six attempts - or touches - before possession changes over.

A touch is any contact between the player with the ball and a defender, and must be with minimum force.

After a touch the player performs a “roll-ball” - similar to the play-the-ball in league - stepping over or rolling the ball between the feet.

At the roll-ball, the defenders have to retreat a minimum of five metres.

A touchdown is scored when an attacking player places the ball on or over the score-line.

Our legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

UAE v Gibraltar

What: International friendly

When: 7pm kick off

Where: Rugby Park, Dubai Sports City

Admission: Free

Online: The match will be broadcast live on Dubai Exiles’ Facebook page

UAE squad: Lucas Waddington (Dubai Exiles), Gio Fourie (Exiles), Craig Nutt (Abu Dhabi Harlequins), Phil Brady (Harlequins), Daniel Perry (Dubai Hurricanes), Esekaia Dranibota (Harlequins), Matt Mills (Exiles), Jaen Botes (Exiles), Kristian Stinson (Exiles), Murray Reason (Abu Dhabi Saracens), Dave Knight (Hurricanes), Ross Samson (Jebel Ali Dragons), DuRandt Gerber (Exiles), Saki Naisau (Dragons), Andrew Powell (Hurricanes), Emosi Vacanau (Harlequins), Niko Volavola (Dragons), Matt Richards (Dragons), Luke Stevenson (Harlequins), Josh Ives (Dubai Sports City Eagles), Sean Stevens (Saracens), Thinus Steyn (Exiles)

The rules on fostering in the UAE

A foster couple or family must:

  • be Muslim, Emirati and be residing in the UAE
  • not be younger than 25 years old
  • not have been convicted of offences or crimes involving moral turpitude
  • be free of infectious diseases or psychological and mental disorders
  • have the ability to support its members and the foster child financially
  • undertake to treat and raise the child in a proper manner and take care of his or her health and well-being
  • A single, divorced or widowed Muslim Emirati female, residing in the UAE may apply to foster a child if she is at least 30 years old and able to support the child financially
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.