Seeking advice on TMT test result.

I recently underwent a TMT test, and my pre-medical insurance application was rejected based on the results. I would appreciate your expert opinion on my health status and any suggestions on how to proceed or improve my condition. I have attached the TMT report for your reference. Lipid Profile: Total Cholesterol: 163 mg/dl Triglycerides: 135 mg/dl HDL Cholesterol: 41 mg/dl LDL Cholesterol: 95 mg/dl VLDL Cholesterol: 27 mg/dl Total Chol / HDL Ratio: 4.0 LDL / HDL Ratio: 2.3 TGL / HDL Ratio: 3.3 Non-HDL: 122 mg/dl I am concerned about whether these results, along with the TMT findings, indicate a cardiac issue that might justify the insurance rejection. Are there lifestyle changes or medical interventions (e.g., diet, exercise, medication) you recommend to improve my heart health and potentially reapply for insurance? Thank you for your guidance!