Artificial Insimination: Moral or Immoral?

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Last night, my sister was preparing for her report today. It was all about artificial insimination. I have learned that there are two types of AI. These are AI by Husband(AIH) and AI by Donor (AID). Basically there are two ways to practice these, one is by placing the sperm of the husband or of the donor in the reproductive tract of the woman. The other one is In vitro fertilization (IVF) where the female's egg cells are fertilized in the laboratory. When the sperms previously extracted from the husband or from the donor, combined with the egg cells then it would become embryo. That embryo will be transferred to the woman's uterus. While we were discussing with my sister, my other sister interrupted us and asked if these things are moral specially the IVF thing. Her reason was, the procedure was like experenting life. It was like risking a life. So, I was'nt able to answer right away because I myself was confused. I just told her that since it's legal then I guess this is moral and in the bible, procreation is part of married couples. Besides, this would help the couples to have their own child. They will be given a chance to have their own family. So, what can you say, is it moral or immoral?