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Black Jack Rule
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Is blackjack insurance really worth it?
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(prleap) Insurance in Blackjack is offered to the player when the dealer draws an ace card. The insurance bet is a side bet to your original wager at half the initial stake to protect your hand against the dealer drawing a Blackjack.
The online casino will prompt you when insurance can be offered; you can either accept or decline and the casino will automatically place the bet for you. This consitutes half your original wager next to your original bet.
If the dealer draws a Blackjack, your insurance side bet is paid at odds of 2-1 but your initial bet is lost. If the dealer doesn’t have a Blackjack, you lose your insurance bet and the game is played on as normal. When the dealer has an ace, if the casino uses 2 cards, then the casino will normally check for Blackjack straight away before the game is carried on.
In my opinion, taking insurance is only worth it if you are trying to track down the aces. For instance, if you decide you always want insurance it is an easy way of counting the aces because it is easier to remember how many insurance bets you have taken. With online casinos, they use a random number generator to pull the cards, so counting the aces is virtually impossible.
Insurance is a bad bet in my opinion. It’s just another way for the casino to win more money.
For example:
Your original wager was $2. The dealer draws an ace and you are offered insurance. You decide to take it and place insurance of half your original wager, $1. If the dealer draws a Blackjack you lose your original wager of $2, but get paid odds of 2-1 on your insurance. The bet was $1, so you get paid $2. You end up getting back your original wager of $2, which means yourself and the casino are evens.
If the dealer does not a Blackjack, you lose your insurance bet, and the game carries on as normal.
You may win or lose but in essence the casino has just earned $1 from you. You are in a no win situation by taking insurance.
Don’t be fooled into taking insurance, it’s not worth it.
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