It can be worth purchasing both life insurance and critical illness cover, especially if you're at all worried about having enough funds if you unexpectedly fall seriously ill in the future. Life insurance generally kicks in when you die or if you're terminally ill, in some cases. Critical illness, on the other hand, can help you pay for expenses if you are ill and unable to work.
Total and permanent disability insurance, commonly known as TPD, is another option to consider. A lump sum payout can be a big help should you become premananently disabled.