Reducing low belly fat is a challenge. However, this is not disappointing. Following a healthy diet and vigorous exercise plan can help you get rid of low belly fat and stay away.
I agree that exercise, as you mentioned, and a well-balanced diet, as recommended by a nutritionist, can go a long way toward reducing low belly fat, but it requires a lot of commitment, which some people cannot be able to be consistent, especially when their work schedule is so hectic that it makes it difficult to follow the exercise.
I believe the simplest option is a panniculectomy surgery. This type of surgery allows fat to be extracted from the body. It is quick, but it costs money, and I understand that not everyone can afford it.