Because it is an act of love with ourselves and our loved ones, saving and investing to improve our future and protect ourselves in the event of a mishap or help us have a decent retirement.
Because the peso, due to inflation, loses value every year. Considering saving your money only in the bank is not a profitable option these days, with inflation at 3.5% per year, in 23 years you will need to earn twice as much to cover the same expenses.
The savings and investment can be made in pesos, UDIs or dollars, if you want that saving not to lose value, it must be in UDIs, because if it were made in pesos, the value of the premium will not change year after year, however, the savings we have will be less, because each year we can acquire fewer things with the same value.
If we want our savings not to be devalued over the years, the ideal is to make the investment in UDIs, which will guarantee that inflation will not affect the savings and, therefore, the cost of the premium will increase year after year.
Medical assistance in the hospital, medicines or treatments.
Material damage that may occur in your home. It can be a good complement, but not a substitute for other forms of retirement savings.