A pear-shaped body type tends to have a smaller waist with larger hips and legs. Although an overweight pear-shaped person may still have higher than ideal levels of visceral fat, her risk for heart disease tends to be lower because she stores more fat in her extremities. As a result, she has less toxic fat surrounding her organs and producing dangerous hormones and byproducts.

The stress hormone cortisol can really screw with your belly. The problem with cortisol is two-fold: First, the chemical makeup of cortisol causes the body to store visceral fat. Visceral fat is stored between your main organs and in the midsection and is the most dangerous type of fat. Experts state that visceral fat increases the risk of diabetes and heart disease.
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