The table below shows the exact points at which insurance EV >= 0 using the KO counting system for a single deck. 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 = -4.
| Hand | Run Count | Insure when this many cards remain in deck | True Count Ref |
|---|---|---|---|
| L-L | -2 | 43, 45, 47, 48* | -2.42 |
| " | -1 | >=23 | -2.26 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| L-M | -4 | 47* | ----- |
| " | -3 | 43, 45, 47, 48* | -3.62 |
| " | -2 | >=31 | -3.35 |
| " | -1 | >=16 | -3.25 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| L-T | -2 | 45* | ----- |
| " | -1 | >=28 | -1.86 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| L-A | -5 | 48* | ----- |
| " | -4 | 45, 47, 48* | -4.62 |
| " | -3 | >=35 | -4.46 |
| " | -2 | >=24 | -4.33 |
| " | -1 | >=13 | -4.00 |
| " | 0 | 2, >=4 | ----- |
| " | +1 | Always insure | ----- |
| M-M | -5 | 48* | ----- |
| " | -4 | 43, 45, 47, 48* | -4.84 |
| " | -3 | >=35 | -4.46 |
| " | -2 | >=24 | -4.33 |
| " | -1 | >=13 | -4.00 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| M-T | -3 | 45* | ----- |
| " | -2 | >=36 | -2.89 |
| " | -1 | >=19 | -2.73 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | ----- |
| M-A | -6 | 48* | ----- |
| " | -5 | 45, 47, 48* | -5.77 |
| " | -4 | >=38 | -5.47 |
| " | -3 | >=28 | -5.57 |
| " | -2 | >=19 | -5.47 |
| " | -1 | >=11 | -4.73 |
| " | 0 | 2, >=4 | ----- |
| " | +1 | Always insure | ----- |
| T-T | -1 | 42* | ----- |
| " | 0 | 2, 4, >=6, 42* | 0 |
| " | +1 | Always insure | ----- |
| T-A | -4 | 45* | ----- |
| " | -3 | >=38, 45* | -4.11 |
| " | -2 | >=26 | -4.00 |
| " | -1 | >=14 | -3.71 |
| " | 0 | 2, >=4 | ----- |
| " | +1 | Always insure | ----- |
| A-A | -7 | 48* | -7.58 |
| " | -6 | 45, 47, 48* | -6.93 |
| " | -5 | >=39 | -6.67 |
| " | -4 | >=32 | -6.50 |
| " | -3 | >=24 | -6.50 |
| " | -2 | >=16 | -6.50 |
| " | -1 | >=9 | -5.78 |
| " | 0 | 2, >=4 | ----- |
| " | +1 | Always insure | ----- |
Worst case true count approximations
L-L Insure if TC >= -2.26
L-M Insure if TC >= -3.25
L-T Insure if TC >= -1.86
L-A Insure if TC >= -4.00
M-M Insure if TC >= -4.00
M-T Insure if TC >= -2.73
M-A Insure if TC >= -4.73
T-T Insure if TC >= 0
T-A Insure if TC >= -3.71
A-A Insure if TC >= -5.78