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Blackjack Insurance Vs Surrender

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The CCC granted the petition, effective January 16, 1990, amending the rules of the game so that any Atlantic City casino may allow players to surrender, provided the casino allows surrender on all of its blackjack tables. Surrender is one of those options, like insurance, that card counters can exploit profitably, while the casino makes money. The 'surrender bet' in blackjack is one of the least known moves in the game. Available only in the blackjack surrender variant, this move let you save half of your bet by folding your hand before. Blackjack Insurance Rules. To make an insurance bet, players must follow certain blackjack rules. The dealer must have an Ace as their upcard, otherwise no insurance bet can be made. If an Ace appears, the dealer will offer players the option to place an insurance bet. Players must decide whether to accept before the dealer checks the hole card. In most casinos, the rules of surrender are as follows: A player may surrender any two card total. Surrender cannot be executed after otherwise acting on your hand. In other words, you may not surrender after hitting, standing, doubling down, splitting, or taking insurance. Late Surrender lets players surrender after the dealer has peeked for blackjack Early Surrender, which is available 'pre-peek', is rare and not on offer at many tables Insurance is still.

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Introduction

What is surrender in blackjack? This is a strategy in which the player may fold the hand risking only half of the bet rather than the entire amount. There are two options in terms of surrendering your hand. Late Surrender may be done after the dealer checks for blackjack and Early Surrender is possible before the dealer check. This page takes an in-depth look at the choice to surrender in blackjack. It depends on lots of things, whether the dealer takes a hole card, the number of decks, whether the dealer hits or stands on soft 17, and sometimes the composition of the player's hand.

The purpose of this page is to give exact advice to the basic-strategy player on when to surrender. When the tales show a total of 16, this refers to either a 10+6 or 9+7 total. The situation of two eights has a separate row when surrender is appropriate.

Late Surrender

Insurance - Blackjack Online

Blackjack

Late surrender means that the player may surrender his hand and lose half his bet only after the dealer checks for blackjack. The following basic strategy tables show when to surrender (Y=yes, N=no) depending on the player's total, dealer's up card, and the number of decks. The right two columns represent a dealer ace according to whether the dealer stands (S17) or hits (H17) a soft 17.

Late Surrender — One Deck — Total Dependent

Player's
Hand
Dealer's Card
__9____10__A (S17)A (H17)
15NNNY
16NYYY
17NNNY

Late Surrender — Two Decks — Total Dependent

Player's
Hand
Dealer's Card
__9____10__A (S17)A (H17)
15NYNY
16NYYY
17NNNY

Blackjack Insurance Vs Surrender Fee

Late Surrender — Four or More Decks — Total Dependent

Player's
Hand
Dealer's Card
__9____10__A (S17)A (H17)
15NYNY
16YYYY
17NNNY

The exact card composition of the player's hand can sometimes make it advantageous to deviate from the basic strategy tables above. The following tables show when exactly to surrender given the player's total, dealer's up card, and number of decks. If the dealer has an ace up then the strategy often depends on whether the dealer hits (H17) or stands (S17) on a soft 17.

One Deck — Late Surrender — Composition Dependent

Player's
Hand
Dealer's Card
910A (S17)A (H17)
14Never7+7Never7+7
15Never9+6,10+5Never9+6,10+5
16NeverAlways10+69+7,10+6
17NeverNeverNever10+7

Two Decks — Composition Dependent — Late Surrender

Player's
Hand
Dealer's Card
910A (S17)A (H17)
15Never9+6, 10+5Never9+6, 10+5
16NeverAlwaysAlways9+7,10+6
8+8NeverNeverNever*
17NeverNeverNeverAlways

*: In a double-deck game, when the dealer hits a soft 17, surrender 8+8 vs. A only if double after a split is not allowed.

There are not enough slots available in the system

Late surrender means that the player may surrender his hand and lose half his bet only after the dealer checks for blackjack. The following basic strategy tables show when to surrender (Y=yes, N=no) depending on the player's total, dealer's up card, and the number of decks. The right two columns represent a dealer ace according to whether the dealer stands (S17) or hits (H17) a soft 17.

Late Surrender — One Deck — Total Dependent

Player's
Hand
Dealer's Card
__9____10__A (S17)A (H17)
15NNNY
16NYYY
17NNNY

Late Surrender — Two Decks — Total Dependent

Player's
Hand
Dealer's Card
__9____10__A (S17)A (H17)
15NYNY
16NYYY
17NNNY

Blackjack Insurance Vs Surrender Fee

Late Surrender — Four or More Decks — Total Dependent

Player's
Hand
Dealer's Card
__9____10__A (S17)A (H17)
15NYNY
16YYYY
17NNNY

The exact card composition of the player's hand can sometimes make it advantageous to deviate from the basic strategy tables above. The following tables show when exactly to surrender given the player's total, dealer's up card, and number of decks. If the dealer has an ace up then the strategy often depends on whether the dealer hits (H17) or stands (S17) on a soft 17.

One Deck — Late Surrender — Composition Dependent

Player's
Hand
Dealer's Card
910A (S17)A (H17)
14Never7+7Never7+7
15Never9+6,10+5Never9+6,10+5
16NeverAlways10+69+7,10+6
17NeverNeverNever10+7

Two Decks — Composition Dependent — Late Surrender

Player's
Hand
Dealer's Card
910A (S17)A (H17)
15Never9+6, 10+5Never9+6, 10+5
16NeverAlwaysAlways9+7,10+6
8+8NeverNeverNever*
17NeverNeverNeverAlways

*: In a double-deck game, when the dealer hits a soft 17, surrender 8+8 vs. A only if double after a split is not allowed.

Blackjack Insurance Vs Surrender Insurance

Four or Six Decks — Composition Dependent — Late Surrender

Player's
Hand
Dealer's Card
910A (S17)A (H17)
15Never9+6, 10+5NeverAlways
16AlwaysAlwaysAlwaysAlways
8+8NoNoNoYes
17NeverNeverNeverAlways

The composition-dependent eight-deck strategy is the same as the total-dependent strategy. In other words, the composition of the hand never matters, for purposes of surrender.

Early Surrender

Early surrender is a seldom found rule in which the player may forfeit his hand and half his bet before the dealer checks for blackjack. The strategy is different from late surrender only when the dealer has a ten or ace showing. Following is a list for when to take early surrender against a dealer 10 or ace, regardless of the rules, except as noted.

The Hi-Lo Count

  • Dealer ace Vs. hard 5-7
  • Dealer ace Vs. hard 12-17
  • Dealer ace Vs. pair of 3's, 6's, 7's, or 8's.
  • Dealer 10 Vs. hard 14-16
  • Dealer 10 Vs. pair of 7's or 8's.

Insurance In Blackjack, Also Known As A Side Bet 2020

  • Do not surrender 10 Vs. 4+10 or 5+9 in single deck
  • Do not surrender 10 Vs. 4+10 in double deck
  • Surrender dealer ace against pair of 2's if dealer hits soft 17.
  • Do not surrender 8,8 vs 10 in single deck when double after split is allowed.

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Written by: Michael Shackleford



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