Insurance
“Do You Have an Insurance Plan?”
Mirror, Mirror On The Wall 
Is there ever a time to Insure? Insurance is offered in almost all casinos. From past experiences, I have learned that if everyone sells the same product, it must be a great product. Sometimes the product really isn’t that great, but the mark up when purchased is worth the time spent dusting the shelves waiting for a sucker to stroll up to the counter with it in their hand.
The idea behind Insurance is similar to actual insurances you purchase in life. You buy these to protect your loved ones, or yourself, or your possessions depending on what you are insuring. Blackjack is no different. When the dealer flips over the strongest up card they can start with, that being the Ace of course, the dealer will ask the players if they would like to take insurance. Any player can insure any hand.
If the player has a Blackjack, they may take Even Money, which is like insuring.
To insure a hand, the player must place up to half his initial wager (depending on the casino, but usually exactly half) on the Insurance Line. The Insurance Line is found on the Blackjack table in front of the area the wagers sit, and it will usually say, “Insurance Pays 2 to 1”. This is a better payout than a Blackjack, and you can do it every single time!
For the most part buying Insurance in the casino is like insuring your swampland
won’t burn in a raging forest fire (UPDATE: Wow, we pegged that one a tad wrong. look here). If you do choose to buy insurance, it is usually only done with the primary land so to speak, or the good hands. This is referred to as “Insuring a Winner”, a hard 20, for example. This is a hand you are thinking should win if the dealer does not have a Blackjack, so some players do insure it.
If the dealer has a face under his ace, he takes all losing wagers on the table, and pushes all Blackjacks where players didn’t take even money. The dealer would now pay all insurance bets 2 to 1. In a way, if you insure a hand and the dealer has the Blackjack, you break even. If you insure a hand, and the dealer does not have Blackjack, you lose your insurance bet and now still risk losing your wager.
The
Playing 21 Program allows a player to insure any single hand he chooses. You can set up different players to play differently in the program. You could set up player one to insure all their Pair of Faces (20) against the Dealer’s Ace and then stand, player two to just stand on this hand and player three to split the faces. We can run a million hands and afterward go into the
Hand Breakdown vs. Dealers Up Card for each player. We can take a specific look at how each did when they had a Pair of Faces vs. the Dealer’s Ace.
We would now compare how we did playing each player differently and decide which is the best way to play this hand.
Of course we cater to Card Counters. You can actually set up the program to
insure certain 20’s and not others, depending on the composition of the deck, and again, using any counting method you choose. So the Playing 21 Program (in the First Hit Rules as show in the thumbnail)actually lets you play the same hand differently, depending on the count. In the Hand Breakdown vs. Dealer Up Card, this is easy to see, showing how you did at this specific hand for 21 different counts.
McB Duplin is not about to tell you how to play the game Blackjack. Everyone before us has done that, and they didn’t accomplish much more than creating a wave of confusion as to how to make each decision advantageous for you. We simply want you to trust yourself, and prove to yourself what is right. We have made the program so anyone can use it with ease. If we wanted this to be complicated we would have just wrote a book!
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