A. You will have to pay more for life insurance premium if you have various health issues, such as overweight, cholesterol, or blood pressure above certain levels. However, if you recover from any of those issues and reapply, you could potentially get better rate, but the length of waiting is different for different health conditions.
For example, you might qualify for a better rate within a few months of improving your blood pressure or cholesterol level, even if the change is due to taking medications.
If you lose weight, you will more likely have to wait for a year before insurers will drop your rate.
For smokers, generally you have to at least a year to get a standard non-smoker rate and after at least 2 or 3 years to get a Preferred class.
Cancer? You have to wait sometime as long as 10 years without a recurrence to qualify for a better class.