Another vote for no.
Banks are blood brothers to insurance companies, and cousins to payday loan companies. Insurance, statistically speaking in purely financial terms is a horrible deal. Their *entire* market, is capitalizing on people with short term (real in the case of banks, potential in the case of insurance) cash flow issues, which can be resolved by long term probabilistic payments.
I won't be so obtuse to say it's a purely win-lose, but the banks largely make money by lending money, collecting interest, and people using that loaned money for largly intangible things like "pride of ownership" in the case of homes, or in the case of margin, by lending it out at higher rates than could reasonably be expected in the markets. They're not right all the time, but more often than not on a dollar averaged basis.
You don't seem to have any cash flow issues, and are generally financially set. You're probably way better off than their average mark, so in a sense it's like a bank trying to lend money to another bank. But asking you to pay retail rates. WHy would anyone go for that? See if you can get something below the prime rate. Then if not, ask them how you can be assured it would be profitable to you to take their borrowed money at so high a rate above wholesale, and when they have no answers ask them why they're wasting your time. If you want to. I mean the simple fact that they're targeting you means they assume you want/need the short term cash to buy short term giddy feels in exchange for a long term negative cost.
