As Hubert says: Lots of cholesterol is genetic. My Grandfather allegedly had the highest Cholesterol level they had ever measured at a major hospital. Killed him stone dead in his 90’s,
My father nearly died of a heart attack at 59yo (younger than I am now). My cardiologist says that reducing my cholesterol with Statins will reduce my chances of a heart attack like dads by 50% significant! But, as previously mentioned, the recent studies into dementia causes was what finally convinced me to start on the dreaded Statins.
To expand on the AvMed situation in Australia. Once LDL hits a certain level, about what mine is, they start demanding extra test. It’s like getting on the wrong side of the power/drag curve. Instead of them proving you aren’t fit - you have to prove you aren’t a risk. Can be akin to proving a negative. “Prove you aren’t about to drop dead”.