Oh? What exactly do you mean? What insurance? Health insurance? I went to the dentist last week for a cleaning. Is that what you’d like to hear about?
Or do you have a reason to think using a +12V net, from the supply capable of supplying some specified current, to power something drawing less than that current, though wires that are rated for that current, through connectors that are rated for that current, is somehow unsafe?
Are you saying you have one slot on the PSU unused? If yes, what is it labeled for?
Then the next question is how much wattage are you using? if you are using 1150w +, I would suggest leaving it alone, especially if everything is stable.