The table below shows the exact points at which insurance EV >= 0 using the KO counting system for 6 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 the initial running count = -24.
| Hand | Run Count | Insure when this many cards remain in deck | True Count Ref |
|---|---|---|---|
| L-L | -4 | 236-279 | -0.88 to -0.75 |
| " | -3 | 172-288* | -0.91 to -0.54 |
| " | -2 | >=115, 288* | -0.90 |
| " | -1 | >=60 | -0.86 |
| " | 0 | 2. 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| L-M | -5 | 253-277 | -1.03 to -0.93 |
| " | -4 | 195-288* | -1.06 to -0.72 |
| " | -3 | >=145, 288* | -1.08 |
| " | -2 | >=98 | -1.06 |
| " | -1 | >=51 | -1.02 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| L-T | -3 | 195-280 | -0.80 to -0.56 |
| " | -2 | 128-285* | -0.81 to -0.36 |
| " | -1 | >=66, 285* | -0.79 |
| " | 0 | 2, 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| L-A | -6 | 259-277 | -1.20 to -1.13 |
| " | -5 | 207-288* | -1.26 to -0.90 |
| " | -4 | >=165, 288* | -1.26 |
| " | -3 | >=124 | -1.26 |
| " | -2 | >=83 | -1.25 |
| " | -1 | >=43 | -1.21 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| M-M | -5 | 211-288* | -1.23 to -0.90 |
| " | -4 | >=168, 288* | -1.24 |
| " | -3 | >=126 | -1.24 |
| " | -2 | >=85 | -1.22 |
| " | -1 | >=44 | -1.18 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| M-T | -4 | 218-279 | -0.95 to -0.75 |
| " | -3 | 160-285* | -0.98 to -0.54 |
| " | -2 | >=107, 285* | -0.97 |
| " | -1 | >=55 | -0.95 |
| " | 0 | 2, 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| M-A | -6 | 220-288* | -1.41 to -1.08 |
| " | -5 | >=182, 288* | -1.43 |
| " | -4 | >=145 | -1.43 |
| " | -3 | >=110 | -1.42 |
| " | -2 | >=74 | -1.41 |
| " | -1 | >=39 | -1.33 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| T-T | -3 | 242-251 | -0.64 to -0.62 |
| " | -2 | 146-278 | -0.71 to -0.37 |
| " | -1 | 75-282* | -0.69 to -0.18 |
| " | 0 | 2, 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| T-A | -5 | 228-279 | -1.14 to -0.93 |
| " | -4 | 178-285* | -1.16 to -0.73 |
| " | -3 | >=133, 285* | -1.17 |
| " | -2 | >=90 | -1.16 |
| " | -1 | >=47 | -1.11 |
| " | 0 | 2, 4, 6, <=8 | ----- |
| " | +1 | Always insure | ----- |
| A-A | -7 | 227-288* | -1.60 to -1.26 |
| " | -6 | >=193, 288* | -1.62 |
| " | -5 | >=160 | -1.63 |
| " | -4 | >=129 | -1.61 |
| " | -3 | >=97 | -1.61 |
| " | -2 | >=65 | -1.60 |
| " | -1 | >=34 | -1.53 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
Worst case true count approximations
L-L Insure if TC >= -0.86
L-M Insure if TC >= -1.02
L-T Insure if TC >= -0.79
L-A Insure if TC >= -1.21
M-M Insure if TC >= -1.18
M-T Insure if TC >= -0.95
M-A Insure if TC >= -1.33
T-T Insure if TC >= -0.69
T-A Insure if TC >= -1.11
A-A Insure if TC >= -1.53