[gregplaysguitar]

Neither have a positive return as far as the gambler/insuree is concerned, if they do, they casino/insurer will not stay in business for long!

The difference is that one has a potential huge upside, the other prevents a potential huge downside

[genewitch]

One should keep in mind that the literal "best odds", as far as i know, at any casino are on "Don't" bets on craps, after the shooter lands a number and the button says "ON". With odds on your Don't bet, you can take the house edge down to 0.13%, or 13 cents for every $100 you bet. If you don't feel like "laying odds" you can place "Come" bets with odds behind them for 0.16%. I rarely play don't, but when i do, i'm the shooter!