The following levels are generally regarded as desirable:Total cholesterol (TC)5.0 mmol/l or less(LDL) cholesterol after an overnight fast:3.0 mmol/l or less(HDL) cholesterol:1.2 mmol/l or moreTC/HDL ratio:We get this figure by dividing total cholesterol / HDL cholesterolThe insurer like it to be 4.5 or less.In other words, the more HDL you have the better.Avoid the evil twin!