Geez. You should absolutely sink all your money into this. How can you go wrong, at 16+ points? Sure, the folks selling the policies could borrow from other sources for less, but because they are such swell folks, they'll cut you (a complete stranger) into their nice deal. They don't mind giving up some profits as long as the world is a nicer place. Then we can all gather under the rainbow and sing Kum Ba Yah, while unicorns dance with the butterflies.
Here is something with a comparable gain, but with alot more risk than you claim to have. http://quicktake.morningstar.com/Fund/Snapshot.asp?Country=USA&Symbol=PRIDX