No, you should not. We understand that being in your 40s, you may be at a higher risk of developing health conditions (physical and mental).But not disclosing accurate and relevant information about them at the time of application can result in a claim rejection later on.If at the time of processing your death claim, your insurer finds out that the main cause of your death was this pre-existing underlying health condition that they were not aware of, they can investigate and reject your claim, resulting in a financial crisis for your family.