Which sun factor and moisturiser should I use?

* I am in my early 30s and have sensitive skin. I am worried about the visible signs of ageing, pigmentation, and the negative effects of the sun’s rays.

I have read that we should use an SPF every day to protect against UVA and UVB rays. I am reluctant to use moisturiser with SPF as I understand using both together is not advisable. I am currently using Organic Aloe Vera sun factor SPF 15 on my face and not using any moisturiser before I apply my make-up. I would appreciate your advice on which sun factor and moisturiser to use.

This is a difficult balance to achieve, since sunshine is crucial to our health and wellbeing (physical and mental), however, we also want to avoid sun damage.