You’ve probably heard this a million times in the past few years, but it bears repeating: Sunscreen is a must. Every single day. Not every once in a while. Every day.

SPF protects your skin against any potential damage that can come from sun exposure, which includes premature aging, dark spots and skin cancers. And while there are many two-in-one moisturizer-sunscreen combos out there, using separate products ensures that you are completely protecting your skin from UV damage.

There are two main types of SPF

• physical
  
• chemical
  

with pros and cons for each. In general, physical sunscreens are better tolerated by sensitive skin, while chemical sunscreens tend to hold up better for oilier skin (or people who are very active).