Here is a blurb I found that suggest that there is a link between high cortisol and high insulin abdominal fat storage.
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Cortisol, a hormone released when you experience stress, has long been known to increase whole body fat mobilization. This makes cortisol sound like an ally in losing fat. However, chronically stressed people carry more weight-especially the dangerous abdominal fat. So what gives?
The cortisol story is not simple. While cortisol alone may contribute to fat loss, it has the opposite effect when combined with insulin. In fact, one researcher labels cortisol and insulin the "lipid accumulating hormone couple." When both hormones are present at the same time, the body seems to shuttle fat to the abdominal fat cells.
The practical question is, "How do I prevent simultaneous cortisol and insulin secretion?" Remember, insulin is secreted after the consumption of carbohydrates, such as sugars and starches. More importantly, insulin levels rise higher after eating certain carbs such as sugar, white rice, and low-fiber breads. Insulin levels don't get as high after eating whole grain carbs, such as whole-wheat bread, oatmeal, and high-fiber cereals. Additionally, vegetables, fish, and lean meats help keep insulin low.
The body secretes cortisol during stressful situations. A recent study showed an appreciable increase when people were asked to complete a timed arithmetic test. If such a simple laboratory experiment raised cortisol, imagine all the common, day-to-day events that cause you to secrete cortisol. Obviously, you cannot avoid all stress in your life. However, you can control your insulin by avoiding carbohydrates-especially refined carbs and sugars-when stressed. By doing so, you can prevent the dangerous fat-promoting cortisol and insulin combination.
Here's another interesting finding: Caffeine directly raises blood cortisol. Therefore, regardless of your stress, combining caffeine and carbohydrates may promote abdominal fat accumulation. The caffeine/cortisol link suggests that you avoid having caffeine with any form of carbohydrate, so skip that bagel with your morning coffee. Keep in mind, cortisol elevates for 2-3 hours after consuming hefty doses of caffeine, such as three cups of coffee.