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Whenever the dealer's up-card is an Ace, the player has an option of taking insurance. The player may opt to take insurance by clicking on the Insurance button. If you do not wish to take insurance, you simply click on the Pass button to proceed with the rest of the hand. If the player believes that the dealer's down-card is a 10 ranking card, then the player is permitted to place a side bet of half the original wager as insurance. If the dealer does have a 10 ranking card, the player is immediately paid 2-to-1 on the insurance bet, but the original wager is lost unless the player too has a blackjack and pushes with the dealer. Here the player is simply betting that the dealer's unseen card is a 10 valued card. The Double Down and Split options will only be available immediately after you receive your first two cards. If the dealer has an Ace showing, you will be offered a chance to buy Insurance for half of the amount you bet. When you buy insurance you are, in effect, making a second bet. You are betting that the dealer has a natural blackjack. If the dealer does have a natural blackjack (in other words, his down card is a ten or a face card), you will collect a payoff of 2 to 1 on your insurance. You will also lose your original wager, unless you have a natural blackjack too. If the dealer does not have a natural twenty-one, the rest of the hand is played out as usual and you will lose your insurance money.