Never take insurance unless you are counting cards Stand on a hard 13 to 16, if the dealer is showing 6 or lower if the dealers card is 7 through to ace you should hit. Hit a soft 17 if dealers card is a 10 Hit until 17 if dealers card is a 10 Stand on 12 if dealer is showing 4,5,6 Hit if dealer shows 2,3, 7 and higher. Split 8,ace always Never split 5,10 Always split 8,7 against dealer when showing lower or equal cards.