Storing fat primarily in your belly increases your chances of suffering heart attacks and diabetes.
When you take in more calories than your body needs, your liver turns them into fat. Fat cells in your belly are different from those in your hips. The blood that flows from belly fat goes directly to your liver, whereas the blood that flows from your hips goes into your general circulation. The livers of those who store fat in their bellies are blocked from removing insulin by the extra fat and therefore do not remove insulin from the bloodstream as effectively as the livers of those who store fat in their hips and have less fat in their livers.
People who store fat primarily in their bellies are called apples, while those who store fat primarily in their hips are called pears. The apples have higher blood insulin and sugar levels (2) that raise levels of the bad LDL cholesterol that causes heart attacks, and lower levels of the good HDL cholesterol that prevents heart attacks. See my report on Insulin Resistance.