Insure 9-6 vs the Ace ?
Here is how, if you know how to do the insurance count, you will eliminate that part of the edge the casino has over you; by virtue of the rule, that the hand is over, should the dealer have Blackjack. Even if you have a twenty. The Question, whether to take the Insurance Bet, is correctly addressed with the information supplied by the insurance count. The hand you have is immaterial to the decision except in so far that those two cards, influence that count, (their value in the insurance count). The value of the hand the twenty.(A-9) or a twelve is the same, where as the in the X-X the value of the cards contrubutes to the reason not to take it.
Let me give you another example suppose the first hand of the single deck game is dealt to four players in front of you and one behind, the guy to your left shows a pair of sixes you have A-8 and the person next to on the right has 2-9. As well, you see the dealer has an ACE, prompting the offering of the insurance. Seven cards are shown to you all do not make a blackjack hence are eliminated from being under his ace. so the count is +7. Or of the 36 small cards 29 are left against 16 TENS. The odds of the Blackjack are 55%, (16/29) but the payoff is 2 to 1 so since you have put up only 50%, put up the insurance bet in the long run you'll come out ahead.