Lucky For Life
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Lucky for Life (which began in Connecticut in 2009 as Lucky4Life) is a US$2 game available in 16 states and the District of Columbia as of January 27, 2015; its slogan is The Game of a Lifetime. Its drawings remain in Connecticut; Lucky for Life is drawn Mondays and Thursdays at 10:38 pm Eastern Time, using two drawing machines and numbered balls. The Connecticut-only version began on March 29, 2009; it became Lucky for Life three years later as it became a regional game, with a modified version (adding a second "lifetime" prize tier) available on September 17, 2013.
Lucky For Life is one of three lottery games available through each of the 17 lotteries. (The 2009 Mega Millions/Powerball cross-selling agreement allowed American lotteries, which could each offer either "national" game before January 31, 2010, to add the other on that date.
First- and second-prize payouts
Unlike other American lottery games (the exception being Cash4Life, offered in New Jersey and New York), Lucky for Life offers two annuitized prize levels; both are advertised as "lifetime" prizes. Beginning with the 2013 game modification, a first-prize winner can choose cash in lieu of the lifetime annuity; second-prize winners also are offered a cash option. A first-prize winner, if the annuity is chosen, receives, or shares, the equivalent of "$1,000 a day for life" (the timing of the payments is according to the rules where the ticket was sold), with a 20-year guarantee; if the winner dies, payments continue to the winner's estate. (The Connecticut-only game's top prize was "$2,000-per-week-for-life", also split among multiple winners.) Second prize is $25,000 per year for life ($10,000 cash in the Connecticut version, and $25,000 cash in the original version of the regional game.)
Lucky for Life uses a 5/48 (white balls) + 1/18 (green "Lucky Balls"); its 2013 game modification had 43 balls in each of the two drums, while the previous version was 5/40 + 1/21. (The Connecticut-only game drew four white balls and a green "Lucky Ball"; hence the name Lucky4Life.)
Winning and probability
A player wins a prize according to the following chart (beginning January 27, 2015):
of winning on a $2 bet
|5||1||$1,000/day or cash option†||1: (48C5×18)|
|5||0||$25,000/yr or cash option††||1: (48C5×48/47)|
†First-prize cash option is $5,750,000. ††Second-prize cash option is $390,000. The cash option amounts are decided by a unanimous vote of the LFL lotteries; these amounts are posted at least 30 days before the change(s) occur. †††Second- and third prizes have liability limits as well.
The prize pool is approximately 60 percent of sales.
The overall odds of winning are 1:
Lucky for Life members
- Arkansas ††
- Connecticut (original member)
- Delaware ††
- District of Columbia ††
- Idaho ††
- Iowa ††
- Kentucky ††
- Maine †
- Massachusetts †
- Michigan ††
- Minnesota ††
- Missouri ††
- Montana ††
- New Hampshire †
- Rhode Island †
- South Carolina ††
- Vermont †
- † Joined LFL in 2012.
- †† Joined LFL on January 27, 2015.
Delaware retired its Cash 5 game to make room for LFL.
The minimum age to play LFL is 18, except in Iowa where 21 is the minimum age for purchasing lottery tickets.
- Cash4Life, a similar game offered in New York and New Jersey.
- http://www.neluckyforlife.com/about/ (retrieved April 2, 2012)
- https://www.nhlottery.com/Games/LuckyForLife/Rules.aspx (retrieved April 2, 2012)