Bad Beat happens!

Keep your profit safe and protected from a Bad Beat with All-in Insurance!

Bad Beat happens!

Keep your profit safe and protected from a Bad Beat with All-in Insurance!

  • While you are playing poker games, your winning percentage can be absolutely higher than your opponent’s winning percentage as seen in the situation below.

A Player (98%)

Community Cards

B Player (2%)

  • However, you can still get badly beaten by the last out card on the next street.

A Player

Community Cards

B Player

  • All-In Insurance will help you to manage and protect your profit from a Bad Beat situation such as the example seen above.

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

  • A.I.I. is insurance which allows you to brace for the outs your opponent has.
  • A.I.I. will not be offered on the Pre-Flop.
  • You can choose to accept insurance on the Flop for the Turn card and also on the Turn for the River card.
  • You can lower the premium by excluding some of the outs that you expect not to be dealt.

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

  • This option is available to you when the following criteria are met:
    • There are only 2 players remaining in the pot in an all-in situation.
    • You are the Favorite to win the pot.
      • Regardless of the winning percentage, the player with the best hand on the current street (when comparing community and player hole cards) will be the Favorite and have the option to apply for insurance.
      • 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.
    • There must be 14 or fewer outs that your opponent can use to beat your hand.
    • The pot size must be at least 10 times the amount of the big blind.
    • You will be offered the insurance option on the Flop and the Turn.

Important Terms to Know

  • Outs: cards that your opponent can use to beat your hand
  • Premium: the amount that you must pay for accepting All-In Insurance
  • Payout: the amount that will be compensated to you if one of the Underdog’s outs appear on the next street

How is the premium calculated?

  • Premium = Payout / Odds
  • The payout that a maximum premium will be able to receive is capped at the amount of the main pot, and thus the maximum premium will be adjusted to cover the main pot amount.

A Player

Community Cards

B Player

the maximum premium you can set is,

  1. 20% of the pot on the Flop (before the Turn card is opened)
  2. 45% of the pot on the Turn (before the River card is opened)

What are the benefits of choosing to exclude outs before accepting insurance?

  • You don’t have to pay for the outs that you strongly believe were folded by another player. In such cases, you are able to exclude these unnecessary outs when paying for the insurance.
  • When excluding the unnecessary outs, the total cost will decrease as you don’t have to pay the premium for the excluded outs.
  • However, there will be an extra amount automatically added to the premium just in case one of those excluded outs is dealt on the next street.
 
Extra premium for the excluded outs = Main premium / Odds for the excluded outs
 
  • See the examples below for the calculation of the premium when excluding outs.
When selecting all outs
  • If you selected 11 outs, the odds for 11 outs is 2.3.
  • In order to claim $34.50, the premium will be:
 
$34.50 / 2.3 = $15
 
When selecting all outs
When selecting 5 of the 11 outs
  • If you selected 5 of the 11 outs, the odds of 5 selected outs is 6.0 and the odds of 6 excluded outs is 5.0.
  • In order to claim $34.50, the premium will be:
 
$34.50 / 6.0 + $5.75 / 5.0 = $6.90
 
When selecting 5 of the 11 outs

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

A Player

Community Cards

Outs

B Player

  • If one of your insured outs appears on the next street, then you will be able to collect your payout.
  • However, if an out you had excluded is dealt on the next street, then you will collect the payout only for that card. In this case, the amount of the payout you will collect is almost the same as the main premium you paid, so it will offset.
  • If 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 on the River, 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 payout, but you manage to pull off a comeback win on the River, then you will receive both the payout and the pot.

Insurance Odds

  • The table below shows the odds of each number of outs per game type.

What is the mandatory insurance for the River card?

  • A detailed example of the mandatory insurance for the River card is shown below.
All-In Insurance for the Turn card
All-In Insurance for the Turn card
  • Player A selected all outs and the premium is set to $3.09 for the main pot amount of $49.40.
 
$49.44 (Payout) / 16 (Odds) = $3.09 (Premium)
 
All-In Insurance for the River card
  • ♦10 is dealt on the Turn and Player A is still the Favorite.
  • The number of outs is still 2.
  • Since you haven’t actually paid the premium on the Flop yet, you have to insure the $3.09 in case you don’t win the hand.
  • As such, the mandatory insurance exists to enable you to pay the premium for the Turn, and it only activates when you are still the Favorite on the Turn.
 
$0.20 (Mandatory Premium) = $3.09 (Premium for Turn card) / 16 (Odds for expected outs on the River)
 
  • 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 for 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 payout 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 payout 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:
    • The mandatory premium for the River card = (Premium for Turn card) / (Odds for expected outs on the River)

Explanation of All-Insurance Pop-Up

All-In Insurance Pop-up
All-In Insurance Pop-up
Description
  1. Favorite’s Hand Rank
  2. Underdog’s Hand Rank
  3. Main pot
    • Amount of the pot related to insurance
  4. Favorite’s Hole Cards
  5. Community Cards
  6. Underdog’s Hole Cards
  7. Outs
    • Number of Outs available currently
  8. Odds
    • Odds of Outs selected
  9. Out Cards
    • Outs available currently
    • You can exclude outs by clicking cards
  10. Payout
  11. Premium
  12. Slide bar to set Premium
    • Slide up or down to set the premium amount manually
  13. My Investment
    • Shortcut to set the payout to cover the Favorite’s investment
    • This shortcut will be deactivated when the maximum possible payout amount is smaller than the payout of the Favorite’s investment
  14. No Need
  15. Time Clock
    • 20 seconds of basic time given
    • Click this to use the Time Bank
  16. Purchase
    • Click to complete purchasing the insurance

FAQs

I thought I had clicked the All-In Insurance (A.I.I.) feature, but why is it that it does not show up in my hand history?

  • This may be due to the fact that our Run It Three Times option is offered before the All-In Insurance option appears.
  • If you accepted Run It Three Times, then the All-In Insurance option will not be available for you, and thus no record of accepting the All-In Insurance will show up in the hand history.
  • However, the most common issue that often occurs is that you were unable to click the All-In Insurance option within the given time limit.
  • If you did accept All-In Insurance, the Insurance Accepted bubble message will appear.

The All-In Insurance option is available to you on the Flop and the Turn when the following criteria are met:

  1. There are only 2 players remaining in the pot in an all-in situation.
  2. You are the Favorite to win the pot. 
    (Note: If the players involved are in a Tie and outs still exist in later streets to decide a clear winner and loser, then the insurance option will also be available in a Tie situation.)
  3. The pot size must be at least 10 times the amount of the big blind.
  4. There must be 14 or fewer outs that your opponent can use to beat your hand.

When applying for A.I.I. is possible (14 or fewer Outs):

When applying for A.I.I. is not possible (15 or more Outs):

  • 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)

Ready to Play and Win now? 

Have questions?