Millionaire for Life is a new annuity lottery with a top prize of $1 million a year for life. Learn everything you need to know about the daily game, which launched on February 22, 2026.
Drawings take place at 10:15 PM CT every day, with the numbers produced via a digital draw system. The exact rules, such as ticket cut-off time, minimum age to play and multi-draw options, differ from state to state.
There are nine different ways to win in Millionaire for Life, so the overall odds of getting a prize are very favorable at approximately 1 in 8.4. To win the jackpot of $1,000,000 a year for life, you must match all the numbers. If you get all the main numbers and just miss the bonus, you’ll still receive $100,000 a year for life.
There’s also the option to take either of the top prizes as a one-time payment if you would prefer. The cash option for the jackpot is $18 million, and for the second prize it is $2.2 million. All the other categories have fixed payouts. The following table shows all the odds and prizes.
The top prize is divided equally between winners if there are multiple tickets that match all the numbers, but the second prize will only be reduced in the unlikely event that there are more than 20 winners.
| Numbers Matched | Prize | Odds of Winning | No. Winners in Last Draw | Average No. Winners |
|---|---|---|---|---|
Match 5 plus Millionaire Ball |
$1 million a year for life (cash option $18 million) | 1 in 22,910,580 | 0 | 0 |
Match 5 |
$100,000 a year for life (cash option $2.2 million) | 1 in 5,727,645 | 0 | 0 |
Match 4 plus Millionaire Ball |
$7,500 | 1 in 86,455 | 2 | 4.6 |
Match 4 |
$500 | 1 in 21,614 | 8 | 19.1 |
Match 3 plus Millionaire Ball |
$250 | 1 in 1,663 | 161 | 248.5 |
Match 3 |
$50 | 1 in 416 | 693 | 988 |
Match 2 plus Millionaire Ball |
$25 | 1 in 98 | 2,821 | 4,249.4 |
Match 2 |
$8 | 1 in 24 | 10,971 | 16,987.6 |
Match 1 plus Millionaire Ball |
$8 | 1 in 16 | 20,503 | 26,686.4 |
It couldn’t be much simpler to play Millionaire for Life. Follow the steps below to take part.
Select five main numbers from 1 to 58, plus an extra number from a separate set of 1 to 5. If you’d prefer to have a random selection, go for a Quick Pick instead.
Get Started
Decide how many drawings to enter. You can play your numbers in just the next draw, or multiple consecutive drawings to make sure you don’t miss out.
Set up Advance Play
Pay for your tickets before the cut-off time in your state. Millionaire for Life costs $5 per play.
Try It Online
Millionaire for Life is a multi-state lottery played in many different jurisdictions across the U.S. It was brought in to replace Cash4Life and Lucky for Life, so it is offered by most of the states that offered one of those annuity games. The full list of participating states is shown below.
Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Idaho, Iowa, Indiana, Kansas, Kentucky, Maine, Massachusetts, Michigan, Mississippi, Montana, Nebraska, North Carolina, North Dakota, New Hampshire, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Tennessee, Virginia, Vermont, West Virginia, Wyoming.
Prize payments for the top two prizes last for a lifetime. There is also a minimum period of 20 years, so if a winner dies before this time the rest of the money will go to their estate.
You can claim prizes up to $600 directly from authorized retailers in the state where you bought your ticket. For larger amounts, you’ll need to claim by mail or go to a claim center.
The claim period is different in each participating state, but the deadline is usually 180 days or one year after the draw.
