"That high TC levels cause heart disease and is the leading cause of heart problems.
Neither of which is true."
Problem is that the insurance companies believe that high LDL levels are bad; no matter the myth. I am recently retiring and had to find some health insurance other than my company supported one. I have had elevated cholesterol for a number of years. Doesn't bother me. Probably stress related anyway. Retirement will fix that. Anyway, the level (230) was barely ok for the insurance company; and I did get the insurance. My doctor wants me to aggressively fix the problem. I don't want to outlive my retirement.