The table below shows the exact points at which insurance EV >= 0 using the KO counting system for 2 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 = -8.
| Hand | Run Count | Insure when this many cards remain in deck | True Count Ref |
|---|---|---|---|
| L-L | -3 | 96* | ----- |
| " | -2 | >=70, 96* | -1.48 |
| " | -1 | <=36 | -1.44 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| L-M | -4 | 96* | ----- |
| " | -3 | >=78, 96* | -2.00 |
| " | -2 | >=52 | -2.00 |
| " | -1 | >=27 | -1.93 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| L-T | -2 | 93* | ----- |
| " | -1 | >=44, 93* | -1.18 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| L-A | -5 | 96* | ----- |
| " | -4 | >=81, 96* | -2.57 |
| " | -3 | >=61 | -2.56 |
| " | -2 | >=41 | -2.54 |
| " | -1 | >=22 | -2.36 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| M-M | -5 | 96* | ----- |
| " | -4 | >=83, 96* | -2.50 |
| " | -3 | >=62 | -2.52 |
| " | -2 | >=42 | -2.48 |
| " | -1 | >=22 | -2.36 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| M-T | -3 | 93* | ----- |
| " | -2 | >=61 | -1.70 |
| " | -1 | >=31 | -1.68 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| M-A | -6 | 96* | ----- |
| " | -5 | >=85, 96* | -3.06 |
| " | -4 | >=68 | -3.06 |
| " | -3 | >=51 | -3.06 |
| " | -2 | >=35 | -2.97 |
| " | -1 | >=18 | -2.89 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| T-T | -1 | 58-88, 90* | -0.90 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| T-A | -4 | 93* | ----- |
| " | -3 | >=68, 93* | -2.29 |
| " | -2 | >=45 | -2.31 |
| " | -1 | >=24 | -2.17 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| A-A | -7 | 96* | ----- |
| " | -6 | >=86, 96* | -3.63 |
| " | -5 | >=72 | -3.61 |
| " | -4 | >=58 | -3.59 |
| " | -3 | >=44 | -3.55 |
| " | -2 | >=30 | -3.47 |
| " | -1 | >=16 | -3.25 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
Worst case true count approximations
L-L Insure if TC >= -1.44
L-M Insure if TC >= -1.93
L-T Insure if TC >= -1.18
L-A Insure if TC >= -2.36
M-M Insure if TC >= -2.36
M-T Insure if TC >= -1.68
M-A Insure if TC >= -2.89
T-T Insure if TC >= -0.90
T-A Insure if TC >= -2.17
A-A Insure if TC >= -3.25