Didn’t they cover this in training ? That’s a really, really basic element of the game. Yes, dealers only offer insurance with an ace up. Same goes with even money if the tbe player has a natural BJ. Well, technically, the player is suposed to request the the even money, but many dealers ask the player if they want it, because many take the even money even though doing so is not the correct basic strategy play in the game.
But seriously, you’d probably get this question answered better by googling it than asking a question on a subreddit. Lol. Maybe you’re trolling? I’m not sure. But either way, have a good day