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In blackjack, the insurance bet is a side bet that you can place when the dealer's upcard is an ace. The purpose of insurance is to protect yourself in case the dealer has a natural blackjack (a two-card hand worth 21). As a general rule, it is not recommended to take insurance in blackjack. If you are a good card counter and are aware that a lot of those 10s have already been dealt, then that’s a reason not to take the insurance bet. You should never buy insurance in blackack. If you actually count the number of times it would save you in a normal session, its far less than what you would save from spending money on every single ace up that the dealer has. Plain and simple, never buy insurance. In this instance, if the dealer has blackjack, you will lose your $20 main bet but receive a 2:1 payout on your insurance bet, thereby breaking even. If the dealer does not have blackjack, you will lose your $10 insurance bet but have the chance to play out the hand as normal to try and double your $20 main bet. Blackjack insurance is a side bet that is usually half your original wager and pays 2 to 1. The only time to play insurance is if the dealer's upcard is an ace, you have a hand of 15 or more, and you are confident the dealer's second card will give them blackjack. If the dealer doesn't have blackjack, you lose the insurance bet. Why people do it: the lone reason you should make the bet is in anticipation of a 10
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The dealer shows ace-up. Take insurance and you're assured of a $10 win. Decline it and your chances are 31 percent of a "push" and 69 percent of a $15 win. Translate this into dollars by assuming 13 instances of the situation. With insurance, you're locked into $10 all 13 times, a total of $130. When should you buy insurance in blackjack is a common question, especially as this side bet is offered so frequently. The simplest and best blackjack strategy for insurance is simply to always say no if you’re playing for real money. Neither you nor the dealer has a blackjack, and the hand is a push (tie). You both have blackjacks. You have blackjack, but the dealer doesn’t. The dealer has blackjack, but you don’t. Now let’s take a look at the net results of these scenarios, assuming that your original stake was $100 and you placed an insurance bet of $50. It makes no difference whether you have 16, 20 or even blackjack, the pay-off is the same. So the decision to bet should be based purely on the mathematical expectation for the insurance bet. If you are not counting cards, then never buy insurance and never take even money. If you are a good card counter and are aware that a lot of those 10s have already been dealt, then that’s a reason not to take the insurance bet. However, in general, you should not take insurance in blackjack. With any casino strategy, the utmost importance has to be looking at the casino’s house edge and the math behind every bet. When it comes to insurance in blackjack, the math is advantageous for the house. Taking insurance does not favor the player in blackjack
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