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The table below shows the exact points at which insurance EV >= 0 using the HiLo counting system for 8 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.

8 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 <=14 +3.71
" +2 <=31 +3.35
" +3 <=48 +3.25
" +4 <=65 +3.20
" +5 <=81 +3.21
" +6 <=98 +3.18
" +7 <=115 +3.17
" +8 <=132 +3.15
" +9 <=148 +3.16
" +10 <=165 +3.15
" +11 <=181 +3.16
" +12 <=198 +3.15
" +13 <=214 +3.16
" +14 <=231 +3.15
" +15 <=247 +3.16
" +16 <=263 +3.16
" +17 <=278 +3.18
" +18 <=294 +3.18
" +19 <=309 +3.20
" +20 <=323 +3.22
" +21 <=337 +3.24
" +22 <=349 +3.28
" +23 <=360 +3.32
" +24 <=368 +3.39
" +25 <=375 +3.47
" +26 <=379 +3.57
" +27 <=381 +3.69
" +28 <=383 +3.80
" +29 <=384, 384* +3.93
" +30 Always insure, 384* -----
L-M 0 2 -----
" +1 <=15 +3.47
" +2 <=32 +3.25
" +3 <=50 +3.12
" +4 <=67 +3.10
" +5 <=85 +3.06
" +6 <=102 +3.06
" +7 <=120 +3.03
" +8 <=137 +3.04
" +9 <=154 +3.04
" +10 <=172 +3.02
" +11 <=189 +3.03
" +12 <=206 +3.03
" +13 <=223 +3.03
" +14 <=240 +3.03
" +15 <=256 +3.05
" +16 <=273 +3.05
" +17 <=289 +3.06
" +18 <=305 +3.07
" +19 <=320 +3.09
" +20 <=334 +3.11
" +21 <=347 +3.15
" +22 <=359 +3.19
" +23 <=368 +3.25
" +24 <=374 +3.34
" +25 <=379 +3.43
" +26 <=381 +3.55
" +27 <=383 +3.67
" +28 <=384, 384* +3.79
" +29 Always insure, 384* -----
L-T 0 2 -----
" +1 <=14 +3.71
" +2 <=31 +3.35
" +3 <=47 +3.32
" +4 <=63 +3.30
" +5 <=80 +3.25
" +6 <=96 +3.25
" +7 <=112 +3.25
" +8 <=129 +3.22
" +9 <=145 +3.23
" +10 <=161 +3.23
" +11 <=177 +3.23
" +12 <=194 +3.22
" +13 <=210 +3.22
" +14 <=225 +3.24
" +15 <=241 +3.24
" +16 <=257 +3.24
" +17 <=272 +3.25
" +18 <=287 +3.26
" +19 <=302 +3.27
" +20 <=316 +3.29
" +21 <=329 +3.32
" +22 <=341 +3.35
" +23 <=352 +3.40
" +24 <=361 +3.46
" +25 <=368 +3.53
" +26 <=373 +3.62
" +27 <=377 +3.72
" +28 <=379 +3.84
" +29 <=380 +3.97
" +30 <=381, 381* +4.09
" +31 Always insure, 381* -----
L-A 0 2 -----
" +1 <=16 +3.25
" +2 <=34 +3.06
" +3 <=53 +2.94
" +4 <=71 +2.93
" +5 <=89 +2.92
" +6 <=107 +2.92
" +7 <=126 +2.89
" +8 <=144 +2.89
" +9 <=162 +2.89
" +10 <=180 +2.89
" +11 <=198 +2.89
" +12 <=216 +2.89
" +13 <=234 +2.89
" +14 <=251 +2.90
" +15 <=269 +2.90
" +16 <=286 +2.91
" +17 <=302 +2.93
" +18 <=318 +2.94
" +19 <=333 +2.97
" +20 <=347 +3.00
" +21 <=358 +3.05
" +22 <=368 +3.11
" +23 <=374 +3.20
" +24 <=379 +3.29
" +25 <=381 +3.41
" +26 <=383 +3.53
" +27 <=384, 384* +3.66
" +28 Always insure, 384* -----
M-M 0 2 -----
" +1 <=16 +3.25
" +2 <=34 +3.06
" +3 <=52 +3.00
" +4 <=70 +2.97
" +5 <=89 +2.92
" +6 <=107 +2.92
" +7 <=125 +2.91
" +8 <=143 +2.91
" +9 <=161 +2.91
" +10 <=179 +2.91
" +11 <=197 +2.90
" +12 <=215 +2.90
" +13 <=232 +2.91
" +14 <=250 +2.91
" +15 <=267 +2.92
" +16 <=284 +2.93
" +17 <=301 +2.94
" +18 <=317 +2.95
" +19 <=332 +2.98
" +20 <=345 +3.01
" +21 <=357 +3.06
" +22 <=367 +3.12
" +23 <=374 +3.20
" +24 <=378 +3.30
" +25 <=381 +3.41
" +26 <=383 +3.53
" +27 <=384, 384* +3.66
" +28 Always insure, 384* -----
M-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 <=134 +3.10
" +9 <=151 +3.10
" +10 <=168 +3.10
" +11 <=184 +3.11
" +12 <=201 +3.10
" +13 <=218 +3.10
" +14 <=234 +3.11
" +15 <=251 +3.11
" +16 <=267 +3.12
" +17 <=282 +3.13
" +18 <=298 +3.14
" +19 <=312 +3.17
" +20 <=326 +3.19
" +21 <=339 +3.22
" +22 <=351 +3.26
" +23 <=360 +3.32
" +24 <=368 +3.39
" +25 <=373 +3.49
" +26 <=377 +3.59
" +27 <=379 +3.70
" +28 <=380 +3.83
" +29 <=381, 381* +3.96
" +30 Always insure, 381* -----
M-A 0 2 -----
" +1 <=17 +3.06
" +2 <=36 +2.89
" +3 <=55 +2.84
" +4 <=74 +2.81
" +5 <=93 +2.80
" +6 <=112 +2.79
" +7 <=131 +2.78
" +8 <=150 +2.77
" +9 <=169 +2.77
" +10 <=188 +2.77
" +11 <=207 +2.76
" +12 <=226 +2.76
" +13 <=244 +2.77
" +14 <=262 +2.78
" +15 <=280 +2.79
" +16 <=298 +2.79
" +17 <=314 +2.82
" +18 <=330, 288* +2.84
" +19 <=345 +2.86
" +20 <=357 +2.91
" +21 <=367 +2.98
" +22 <=374 +3.06
" +23 <=379 +3.16
" +24 <=381 +3.28
" +25 <=383 +3.39
" +26 <=384, 384* +3.52
" +27 Always insure, 384* -----
T-T 0 2 -----
" +1 <=14 +3.71
" +2 <=30 +3.47
" +3 <=46 +3.39
" +4 <=62 +3.35
" +5 <=78/td> +3.33
" +6 <=94 +3.32
" +7 <=110 +3.31
" +8 <=126 +3.30
" +9 <=142 +3.30
" +10 <=158 +3.29
" +11 <=174 +3.29
" +12 <=189 +3.30
" +13 <=205 +3.30
" +14 <=220 +3.31
" +15 <=236 +3.31
" +16 <=251 +3.31
" +17 <=266 +3.32
" +18 <=281 +3.33
" +19 <=295 +3.35
" +20 <=309 +3.37
" +21 <=322 +3.39
" +22 <=334 +3.43
" +23 <=345 +3.47
" +24 <=354 +3.53
" +25 <=362 +3.59
" +26 <=367 +3.68
" +27 <=371 +3.78
" +28 <=374 +3.89
" +29 <=376 +4.01
" +30 <=377 +4.14
" +31 <=378, 378* +4.26
" +32 Always insure, 378* -----
T-A 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 <=123 +2.96
" +8 <=141 +2.95
" +9 <=158 +2.96
" +10 <=176 +2.95
" +11 <=194 +2.95
" +12 <=211 +2.96
" +13 <=228 +2.96
" +14 <=245 +2.97
" +15 <=262 +2.98
" +16 <=279 +2.98
" +17 <=295 +3.00
" +18 <=310 +3.02
" +19 <=325 +3.04
" +20 <=339 +3.07
" +21 <=350 +3.12
" +22 <=360 +3.18
" +23 <=368 +3.25
" +24 <=373 +3.35
" +25 <=377 +3.45
" +26 <=379 +3.57
" +27 <=380 +3.69
" +28 <=381, 381* +3.82
" +29 Always insure, 381* -----
A-A 0 2 -----
" +1 <=17 +3.06
" +2 <=38 +2.74
" +3 <=58 +2.69
" +4 <=78 +2.67
" +5 <=98 +2.65
" +6 <=119 +2.62
" +7 <=139 +2.62
" +8 <=159 +2.62
" +9 <=179 +2.61
" +10 <=198 +2.63
" +11 <=218 +2.62
" +12 <=238 +2.62
" +13 <=257 +2.63
" +14 <=276 +2.64
" +15 <=294 +2.65
" +16 <=312 +2.67
" +17 <=329 +2.69
" +18 <=344 +2.72
" +19 <=357 +2.77
" +20 <=367 +2.83
" +21 <=374 +2.92
" +22 <=379 +3.02
" +23 <=381 +3.14
" +24 <=383 +3.26
" +25 <=384, 384* +3.39
" +26 Always insure, 384* -----
* denotes an even (EV = 0) insurance bet for the referenced number of remaining cards

Worst case true count approximations

	L-L Insure if TC >= +3.93
	L-M Insure if TC >= +3.79
	L-T Insure if TC >= +4.09
	L-A Insure if TC >= +3.66
	M-M Insure if TC >= +3.66
	M-T Insure if TC >= +3.96
	M-A Insure if TC >= +3.52
	T-T Insure if TC >= +4.26
	T-A Insure if TC >= +3.82
	A-A Insure if TC >= +3.39

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