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Normally, one of the two dealer cards is dealt face up although the other is dealt face down. The dealer is the final "player" to add to his cards, which is an benefit to the house because if the player busts, he loses even if the dealer busts later. However the player has their personal advantage, in that the dealer could never ever stand on a total significantly less than 17, when the player may stand on any total they wish. Black jack insurance is accessible to you whenever the dealer’s face-up card is an ace. If this happens, you have the choice to "take insurance" before the dealer checks the face-down card. In spite of the name, it has absolutely nothing to do with insuring your original bet and can be viewed as a side bet. If the dealer really has a blackjack (Ace + ten), you win the bet and it pays 2-to-1. If the dealer does not have blackjack, you drop your side bet.