I will assume that you went through the other two Hint pages, and your still not convinced of, or still confused by this.
If you came from the AA vs. A page and you think that you'd like to split, that's another thing the hand goes no where for now until you decide about the Insurance, ("Right?"). If after the Insurance is cleared, that what you do O.K. but if the Dealer has Blackjack the hand is over, so it doesn't matter, now. Remember the argument about how good a hand you should insure the bottom Line: It only matters so much as it impacts the Insurance Count, SO a lot of little cards make more sense to Insure than a twenty of Two Tens
Only the count matters. You could have any hand and at the juncture where you must make the Decision, you must either risk yet another 1/2 Bet, or not.
Another one-half bet or take your chances. the pay off is Two to One. But this mechanism allows you to make the best possible decision and maximize your gain long term.