When I got an insurance screen about two months ago and I had LDL of 299, but a still normal CHOL/LDL ratio. I eat a generally healthy diet with lots of protein and fruit/veggies and a very little dairy/processed foods. I do, however, eat lots of eggs. I work out 5-6 times a week and I frankly have a hard time eating enough when I'm working out (I'm 6' 1", 175 lbs).
I reacted to my high LDL number by mostly replacing whole eggs with egg whites. That seems to have lowered my LDL to 242, but it is still tagged as high. At the same time, my HDL is 72, so my CHOL/HDL ratio remains well within the normal range I've tried to find examples of similar patterns but have not been able to. Would be curious to hear if anyone else has seen anything like it.
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I have heard that insurance companies will hammer you for high LDL and obesity, but never had it happen personally.. Unfortunately the only way I know that works to lower LDL significantly is statins. I never had any luck with the dietary methods - such as exercise, lower eating, high fiber or low fat - and concluded that my liver could make LDL out of anything I ate. Cutting out some butter or heavy cream might help a little.