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The table below shows the exact points at which insurance EV >= 0 using the HiLo counting system for 4 decks. The table was derived using a weighted average of all the possible subsets given the listed player 2 card hand and allowing for dealer's up card of ace. It was compiled using only running counts at all possible penetrations. At the end of the table there is a true count conversion approximation.

4 Deck Insurance - HiLo Count [L=(2,3,4,5,6): Tag = -1] [M=(7,8,9): Tag = 0] [T=(10): Tag = +1] [A=(Ace): Tag = +1]
Hand Run Count Insure when this many cards remain in deck True Count Ref
L-L 0 2 -----
" +1 <=15 +3.47
" +2 <=33 +3.15
" +3 <=51 +3.06
" +4 <=69 +3.01
" +5 <=87 +2.99
" +6 <=105 +2.97
" +7 <=122 +2.98
" +8 <=139 +2.99
" +9 <=156 +3.00
" +10 <=171 +3.04
" +11 <=183 +3.13
" +12 <=189 +3.30
" +13 <=192, 192* +3.52
" +14 Always insure, 192* -----
L-M 0 2 -----
" +1 <=17 +3.06
" +2 <=37 +2.81
" +3 <=56 +2.79
" +4 <=76 +2.74
" +5 <=95 +2.74
" +6 <=114 +2.74
" +7 <=133 +2.74
" +8 <=152 +2.74
" +9 <=168 +2.79
" +10 <=182 +2.86
" +11 <=189 +3.03
" +12 <=192, 192* +3.25
" +13 Always insure, 192* -----
L-T 0 2 -----
" +1 <=15 +3.47
" +2 <=32 +3.25
" +3 <=49 +3.18
" +4 <=66 +3.15
" +5 <=83 +3.13
" +6 <=100 +3.12
" +7 <=117 +3.11
" +8 <=133 +3.13
" +9 <=149 +3.14
" +10 <=163 +3.19
" +11 <=175 +3.27
" +12 <=183 +3.41
" +13 <=187 +3.61
" +14 <=189, 189* +3.85
" +15 Always insure, 189* -----
L-A 0 2 -----
" +1 <=19 +2.74
" +2 <=41 +2.54
" +3 <=63 +2.48
" +4 <=85 +2.45
" +5 <=107 +2.43
" +6 <=128 +2.44
" +7 <=148 +2.46
" +8 <=167 +2.49
" +9 <=181 +2.59
" +10 <=189 +2.75
" +11 <=192, 192* +2.98
" +12 Always insure, 192* -----
M-M 0 2 -----
" +1 <=19 +2.74
" +2 <=41 +2.54
" +3 <=62 +2.52
" +4 <=84 +2.48
" +5 <=105 +2.48
" +6 <=126 +2.48
" +7 <=146 +2.49
" +8 <=165 +2.52
" +9 <=180 +2.60
" +10 <=189 +2.75
" +11 <=192, 192* +2.98
" +12 Always insure, 192* -----
M-T 0 2 -----
" +1 <=16 +3.25
" +2 <=35 +2.97
" +3 <=54 +2.89
" +4 <=72 +2.89
" +5 <=91 +2.86
" +6 <=109 +2.86
" +7 <=127 +2.87
" +8 <=144 +2.89
" +9 <=160 +2.93
" +10 <=173 +3.01
" +11 <=182 +3.14
" +12 <=187 +3.34
" +13 <=189, 189* +3.58
" +14 Always insure, 189* -----
M-A 0 2 -----
" +1 <=21 +2.48
" +2 <=46 +2.26
" +3 <=71 +2.20
" +4 <=95 +2.19
" +5 <=119 +2.18
" +6 <=142 +2.20
" +7 <=163 +2.23
" +8 <=180 +2.31
" +9 <=189 +2.48
" +10 <=192, 192* +2.71
" +11 Always insure, 192* -----
T-T 0 2 -----
" +1 <=14 +3.71
" +2 <=31 +3.35
" +3 <=47 +3.32
" +4 <=63 +3.30
" +5 <=80/td> +3.25
" +6 <=96 +3.25
" +7 <=111 +3.28
" +8 <=127 +3.28
" +9 <=142 +3.30
" +10 <=155 +3.35
" +11 <=167 +3.43
" +12 <=176 +3.55
" +13 <=182 +3.71
" +14 <=184 +3.96
" +15 <=186, 186* +4.19
" +16 Always insure, 186* -----
T-A 0 2 -----
" +1 <=18 +2.89
" +2 <=39 +2.67
" +3 <=60 +2.60
" +4 <=81 +2.57
" +5 <=101 +2.57
" +6 <=121 +2.58
" +7 <=140 +2.60
" +8 <=158 +2.63
" +9 <=173 +2.71
" +10 <=182 +2.86
" +11 <=187 +3.06
" +12 <=189, 189* +3.30
" +13 Always insure, 189* -----
A-A 0 2 -----
" +1 <=25 +2.08
" +2 <=53 +1.96
" +3 <=81 +1.93
" +4 <=109 +1.91
" +5 <=136 +1.91
" +6 <=161 +1.94
" +7 <=180 +2.02
" +8 <=189 +2.20
" +9 <=192, 192* +2.44
" +10 Always insure, 192* -----
* denotes an even (EV = 0) insurance bet for the referenced number of remaining cards

Worst case true count approximations

	L-L Insure if TC >= +3.52
	L-M Insure if TC >= +3.25
	L-T Insure if TC >= +3.85
	L-A Insure if TC >= +2.98
	M-M Insure if TC >= +2.98
	M-T Insure if TC >= +3.58
	M-A Insure if TC >= +2.71
	T-T Insure if TC >= +4.19
	T-A Insure if TC >= +3.30
	A-A Insure if TC >= +2.44

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