All-In Insurance

What is All-In Insurance (A.I.I.)?

  • All-In Insurance is a feature which allows players to purchase insurance for the chips that they had committed into the pot after going all-in.
  • The All-In Insurance is only offered to the Favorite to win the pot in an all-in situation involving two players. The insurance for the Turn card is offered on the Flop, and insurance for the River card is offered on the Turn.
    • At this time, the Underdog can choose to select one of the following three choices: Run It Once, Run It Twice, or Run It Three Times.
    • However, if the Favorite chooses to accept All-In Insurance, the Underdog’s selection will be overridden and the cards will be dealt in the Run It Once format.

When is the A.I.I. option available?

  • This option is available to you when the following criteria are met:
    • You are the Favorite to win the pot.
      • If the players involved are in a Tie and outs still exist in later streets to decide on a clear winner and loser, then the insurance option will be available in a Tie situation.
    • The pot size must be at least 10 times the amount of the big blind.
    • There must be 14 or fewer outs that your opponent can use to beat your hand.
    • Only two players remain in the pot.
    • You will be offered the insurance option on the Flop and the Turn.

Important Terms to Know

  • Premium: the amount that you must pay for accepting All-In Insurance
  • Claim: the amount that will be compensated to you if one of the Underdog’s outs appear on the next street

Is there a charge (premium) for accepting A.I.I.?

  • Yes, there is a charge, also known as a premium, for accepting A.I.I.
    • Premium = Claim / Odds
    • If it is still possible to chop the pot on the next street, the maximum premium you can set is 20% of the pot on the Flop (before the Turn card is opened), and 45% of the pot on the Turn (before the River card is opened).
    • If it is not possible to chop the pot on the next street, the maximum premium you can set 25% of the pot on the Flop, and 50% of the pot on the Turn.

What happens if one of the Underdog’s outs appears on the next street?

  • If one of your insured outs appears on the next street, then you will be able to collect your claim.
  • If you had applied for insurance of specific cards on the Flop, but none of these outs appear on the Turn, then you will be automatically opted-in to the A.I.I. for the River card.
  • If one of your insured outs does not appear after you had accepted insurance, the premium will be automatically deducted from the pot you will collect after the hand ends.
  • Exception: If one of your insured outs appears on the Turn and you collect your claim, but you manage to pull off a comeback win on the River, then you will receive both the claim and the pot.

Insurance Odds

Outs 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+
When applying for A.I.I. is possible When applying for A.I.I. is not possible
Hold’em Odds 31 16 10 8 6 5 4 3.5 3 2.5 2.3 2 1.8 1.6 1.4 1.3 1.2 1.1 1 0.8
Omaha Odds 24 12 8 6 4.5 4 3.2 2.7 2.3 2 1.7 1.5 1.3 1.2 1.1 1 0.9 0.8 0.8 0.8

What is the mandatory insurance for the River card?

  • A mandatory insurance for the River card is required to ensure you when one of your insured outs does not appear on the Turn but does appear on the River.
  • The purpose of the mandatory insurance is done to ensure you in the case the River card forces you to lose, and to cover the premium you paid for on the Turn.
  • Therefore, in the situation you had applied for insurance of a River card when purchasing the insurance for the Turn card on the Flop, the premium that guarantees the insured amount will be set to the minimum amount and the claim will be adjusted according to it.
  • If the number of outs increases to at least 15 outs after the Turn card is displayed and thus it is no longer possible for you to apply for insurance, the claim will be automatically set to the premium for the Turn card and you will be automatically opted-in to the insurance for the River card.
  • At this time, the mandatory premium will be calculated as follows:
    • Mandatory premium for the River card = (Premium for Turn card) / (Odds for expected outs on the River)

How do I apply for A.I.I. and adjust the amount of the premium?

All-In Insurance Pop-up

Description

  • 1. Main pot – Amount of the pot related to insurance
  • 2. Investment – Amount invested by the Favorite in the corresponding pot
  • 3. Time Clock
    • – 20 seconds of basic time given
    • – Click this to use the Game Clock
  • 4. Favorite’s Hole Cards
  • 5. Community Cards
  • 6. Underdog’s Hole Cards
  • 7. Favorite’s Hand Rank
  • 8. Underdog’s Hand Rank
  • 9. Out Cards – Outs available currently
  • 10. Outs – Number of Outs available currently
  • 11. Odds – Odds of Outs shown above
  • 12. Premium
  • 13. Claim
  • 14. Slide bar to set Premium – Slide left or right to set the premium amount manually
  • 15. Minimum – Shortcut to set premium to the minimum amount possible
  • 16. Break Even
    • – Shortcut to set the claim to an amount equal to the Favorite’s investment
    • – This shortcut will be deactivated when the maximum possible claim amount is smaller than the claim of the Favorite’s investment
  • 17. Retain Profit
    • – Shortcut to set the claim equal to the amount of the main pot
    • – This shortcut will be displayed as ‘Maximum’ when the maximum possible claim amount is smaller than the claim of the main pot
  • 18. No Need
  • 19. Purchase