Wolverine: Insurance

[Wolverine]

Okay, now that we've tackled the tough hard 12 vs 4 question over the weekend, let's dive into the insurance question again. Upon reading the following information in a Feb 2003 post by Cacarulo, I have some questions. Here is the info from the post:

"Indices for 2 decks:

Generic Index = +2.38

A,A vs A = +0.46
A,Z vs A = +1.02
A,L vs A = +1.53
T,T vs A = +3.16
T,A vs A = +1.76
T,Z vs A = +2.36
T,L vs A = +2.86
Z,Z vs A = +1.58
Z,L vs A = +2.09
L,L vs A = +2.60 "

I always thought the index for taking insurance in DD was +3. The post started out stating that very concept, that the Generic Insurance Index (GII) was +3. I'm confused by the 2D index being given as +2.38 (instead of +3 as given in many other places including p213 of BJA3 hard cover).

Can someone (Cacarulo?, Don?, another Master?) shed some light on this table given above and the differences in the 2D Insurance Index. Thanks!

[Don Schlesinger]

> Okay, now that we've tackled the tough hard
> 12 vs 4 question over the weekend, let's
> dive into the insurance question again. Upon
> reading the following information in a Feb
> 2003 post by Cacarulo, I have some
> questions. Here is the info from the post:

> "Indices for 2 decks:

> Generic Index = +2.38

> A,A vs A = +0.46
> A,Z vs A = +1.02
> A,L vs A = +1.53
> T,T vs A = +3.16
> T,A vs A = +1.76
> T,Z vs A = +2.36
> T,L vs A = +2.86
> Z,Z vs A = +1.58
> Z,L vs A = +2.09
> L,L vs A = +2.60 "

> I always thought the index for taking
> insurance in DD was +3.

It depends on how you estimate the TC. If it's to the precise card, it's roughly 2.4. But, if it's done by 1/4-deck or 1/2-deck, as we did for the p. 213 values, it's +3, as a floored index.

> The post started out
> stating that very concept, that the Generic
> Insurance Index (GII) was +3. I'm confused
> by the 2D index being given as +2.38
> (instead of +3 as given in many other places
> including p213 of BJA3 hard cover).

See above.

> Can someone (Cacarulo?, Don?, another
> Master?) shed some light on this table given
> above and the differences in the 2D
> Insurance Index. Thanks!

The table is for composition-dependent insurance. If you take account of the two cards that comprise your hand, instead of simply ignoring your hand and focusing on the dealer's ace, the indices for insurance vary.

Don