🛡️ Dealer shows an Ace — Insurance?

Basic strategy: never take insurance. Count deviation: only take it at Hi-Lo TC ≥ +3.0.

Insurance costs half your bet and pays 2 to 1 if the dealer has Blackjack.

H = Hit · S = Stand · D = Double (else Hit) · Ds = Double (else Stand) · P = Split · Rh = Surrender (else Hit). Highlight = your hand vs dealer upcard.

Key Count Deviations (Illustrious 18 + Fab 4)

Insurance vs A: TC ≥ +3 take · 16 vs 10: TC ≥ 0 stand · 15 vs 10: TC ≥ 0 surrender, TC ≥ +4 stand · 12 vs 3: TC ≥ +2 stand · 12 vs 2: TC ≥ +3 stand · 10 vs 10: TC ≥ +4 double · 11 vs A: TC ≥ +1 double · 9 vs 2: TC ≥ +1 double · 10,10 vs 5: TC ≥ +5 split · 10,10 vs 6: TC ≥ +4 split.