Let's see,
1. Safely? Only for the HYIP owner.
2. Insurance? Typical scam tactic.
3. HYIP List? List of scam or to be scam website?
4. Experience? Experience of losses or scam others?
Also, you better move your thread to
Service Announcements or
Investor-based gamesWhile I think that the risk of "investing" in Ponzi schemes is significant and morally the decision would be in a grey area, I don't think you get the concept of these forums. Nearly everywhere on the forum will know that all of these programs are scams and they are not trying to trick you necessarily; the chances are that users who are on there just intend to put money in early and get it back as soon as possible with added interest if they can manage it, knowing that the scheme will turn into a scam eventually.
I don't think HYIP insurance is necessarily a scam though, it's just when a HYIP owner gives some money to an insurance service so that people will feel confident investing in the program until the insurance expires as they then expect it to continue paying for as long as the insurance lasts. It could be a scam but isn't inherently one, even though it's "investing" in scam programs.