Unfortunately, in your 40s there's no option for obtaining cover without providing medical information, (regardless of what is said elsewhere on the internet).
An over 50s plan is the only form of life insurance which provides guaranteed acceptance without the need to disclose any health information.
However, the age criteria for this type of cover is 50-85 years old. So, if in your 40s, this makes you ineligible.
It may be tempting to hold out until you reach this age bracket, however, there are a number of things about over 50s plans it's important to know...
Whilst acceptance is guaranteed, premiums tend to be higher to accommodate the unknown risk to the insurer.
Therefore, even if your health is less than ideal, you may benefit from lower monthly premiums by disclosing your issues at a younger age.
Secondly, the sum assured is significantly lower than that available on either term-based or whole of life cover.
Both term-based cover and whole of life cover offer a potential sum assured of up to £1,000,000, whereas the maximum available through an over 50s plan is £25,000.
Therefore, it's important to consider the level of coverage you require.