MikeW saidFat under the skin is called subcutaneous. Belly fat inside the abdominal wall, surrounding the organs, is called visceral fat. See: http://www.ncbi.nlm.nih.gov/pubmed/11133069
My guess is visceral fat is why your body fat % rises as we age even if you're in good shape. Can this fat be reduced through normal diet and exercise? Is it healthy to diet this fat off? Or does it perform a necessary function within the aging process?
You want to reduce visceral fat if at all possible. It is associated with lots of health problems such as those associated with metabolic syndrome.
Cutting out carbs, especially snacks, and stepping up your activity level throughout the day ie keep moving, should help reduce visceral fat.
Once you have sorted those things, you can always try a keto diet with a suppliment called medium chain triglycerides as a substitute for some of your daily fat intake. This should help get your visceral fat down further.