The table below shows the exact points at which insurance EV >= 0 using the KO 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. It is assumed that initial running count = -16.
| Hand | Run Count | Insure when this many cards remain in deck | True Count Ref |
|---|---|---|---|
| L-L | -3 | 150-190, 192* | -1.04 |
| " | -2 | >=99 | -1.05 |
| " | -1 | >=51 | -1.02 |
| " | 0 | 2, 4, 6, >=8 | ----- | " | +1 | Always insure | ----- |
| L-M | -4 | 163-190, 192* | -1.27 |
| " | -3 | >=120, 192* | -1.30 |
| " | -2 | >=80 | -1.30 |
| " | -1 | >=42 | -1.23 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| L-T | -2 | 115-189, 191* | -0.90 |
| " | -1 | >=59, 189* | -0.88 |
| " | 0 | 2, 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| L-A | -5 | 167-190, 192* | -1.56 |
| " | -4 | >=131, 192* | -1.59 |
| " | -3 | >=99 | -1.58 |
| " | -2 | >=66 | -1.58 |
| " | -1 | >=35 | -1.49 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| M-M | -5 | 172-188, 190, 192* | -1.51 |
| " | -4 | >=134 | -1.55 |
| " | -3 | >=101 | -1.54 |
| " | -2 | >=68 | -1.53 |
| " | -1 | >=35 | -1.49 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1/td> | Always insure | ----- |
| M-T | -3 | 136-187, 189* | -1.14 |
| " | -2 | >=90, 189 | -1.16 |
| " | -1 | >=47 | -1.11 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| M-A | -6 | 174-188, 190, 192* | -1.79 |
| " | -5 | >=142, 192* | -1.83 |
| " | -4 | >=113 | -1.84 |
| " | -3 | >=85 | -1.84 |
| " | -2 | >=58 | -1.79 |
| " | -1 | >=30 | -1.73 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| T-T | -1 | >=69, 186* | -0.75 |
| " | 0 | 2, 4, 6, 9, >=10 | ----- |
| " | +1 | Always insure | ----- |
| T-A | -4 | 145-187, 189* | -1.43 |
| " | -3 | >=108, 189* | -1.44 |
| " | -2 | >=72 | -1.44 |
| " | -1 | >=38 | -1.37 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| A-A | -7 | 176-190, 192* | -2.06 |
| " | -6 | >=148, 192* | -2.11 |
| " | -5 | >=123 | -2.11 |
| " | -4 | >=98 | -2.12 |
| " | -3 | >=74 | -2.11 |
| " | -2 | >=50 | -2.08 |
| " | -1 | >=26 | -2.00 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
Worst case true count approximations
L-L Insure if TC >= -1.02
L-M Insure if TC >= -1.23
L-T Insure if TC >= -0.88
L-A Insure if TC >= -1.49
M-M Insure if TC >= -1.49
M-T Insure if TC >= -1.11
M-A Insure if TC >= -1.73
T-T Insure if TC >= -0.75
T-A Insure if TC >= -1.37
A-A Insure if TC >= -2.00