Hi Devillina

Life and critical illness cover is a good start. Life cover is often taken up to retirement age, whereas critical illness cover should be taken for as long as you can and are likely to be able to afford the premiums. Level or increasing cover are the best options, and you may need to ask for the convertible option on the critical illness cover. Also consider income proetction cover to protect you in the event of losing your income through illness or sickness. MPPI and ASU are generally not a good bet in my opinion.

You should consider your savings as separate to your life cover, as it can be confusing otherwise. There are quite alot of savings and investment products where the growth and/or income are tax efficient or even tax free.

Contact a local IFA to you (unbiased.co.uk) and they will be able to point you in the right direction.

Brian