Millionaire for Life

Millionaire for Life is a new multi-state game set to launch on February 22, 2026, created by the Multi-State Lottery Association (MUSL) and participating state lotteries.

Players will pick five numbers from 1 to 58 and an extra number from 1 to 5 for a chance to win up to $1,000,000 a year for life. Draws will take place daily, and tickets will cost $5 per play. The game will have nine prize tiers, and the winners of the two top prizes will have to choose between a lifetime annuity or a one-time cash payout.

The $1,000,000 per year for life prize, with a cash option of $18,000,000, will make this game the biggest lottery game in the United States with a lifetime prize.

It is expected that in participating states, this game will replace the two current multi-state games with prizes for life: Cash4Life and Lucky for Life.

Stay tuned for more news and updates.

How to play

  1. Pick five numbers from 1 to 58.
  2. Pick one additional number from 1 to 5.
  3. Check if you've won after the daily draw.
Ticket cost
$5 per play.

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Prizes and odds

Match Prize Odds
5 + 1 $1,000,000 a year for life* 1 in 22,910,580
5 $100,000 a year for life* 1 in 5,727,645
4 + 1 $7,500 1 in 86,455.01
4 $500 1 in 21,613.75
3 + 1 $250 1 in 1,662.59
3 $50 1 in 415.64
2 + 1 $25 1 in 97.79
2 $8 1 in 24.44
1 + 1 $8 1 in 15.64
Overall odds of winning a prize in Millionaire for Life are 1 in 8.46.
*Lifetime prizes claimed as annuities will be paid for a minimum of 20 years.

Prize options

Winners Annuity Payment Option Cash Option
1 $1,000,000 per year for life $18,000,000
2-20 $1,000,000 per year for life* $18,000,000*
21 or more No annuity payment $18,000,000*
*Divided by the total number of winners.
Winners Annuity Payment Option Cash Option
1-20 $100,000 per year for life* $2,200,000*
21 or more No annuity payment $2,200,000**
*Divided by the total number of winners.

 

Multi-state lifetime prize games comparison

 

Game Base Ticket Price Top Prize Odds Top Prize Annuity Payment Option Top Prize Cash Option Second Prize Odds Second Prize Annuity Payment Option Second Prize Cash Option
Millionaire for Life $5 1 in 22,910,580 $1,000,000 a year for life $18,000,000 1 in 5,727,645 $100,000 a year for life $2,200,000
Cash4Life $2 1 in 21,846,048 $365,000 a year for life $7,000,000 1 in 7,282,016 $52,000 a year for life $1,000,000
Lucky for Life $2 1 in 30,821,472 $365,000 a year for life $5,750,000 1 in 1,813,028 $25,000 a year for life $390,000
Prizes are divided by the total number of winners.
*Lifetime prizes claimed as annuities will be paid for a minimum of 20 years.

Game schedule

Draw day Draw time Sales close
Sunday 10:00 p.m. CT Varies by jurisdiction
Monday 10:00 p.m. CT Varies by jurisdiction
Tuesday 10:00 p.m. CT Varies by jurisdiction
Wednesday 10:00 p.m. CT Varies by jurisdiction
Thursday 10:00 p.m. CT Varies by jurisdiction
Friday 10:00 p.m. CT Varies by jurisdiction
Saturday 10:00 p.m. CT Varies by jurisdiction

Things to know

  1. The first Millionaire for Life draw is scheduled for February 22, 2026.
  2. Winners of the top and second prizes can choose between an annuity and a cash option.
  3. Players will be able to enter the same numbers in multiple draws. The maximum number of consecutive draws will depend on the jurisdiction.
  4. The game is expected to replace similar games like Lucky for Life and Cash4Life in participating jurisdictions.
  5. There are 9 ways to win with Millionaire for Life, and it will be one of the few games in the U.S. to have two lifetime prizes.
  6. Prizes for the top two prize categories will be shared in cases where there are multiple winners in those categories.
  7. With an annuity of $1 million for life, this game will boast the biggest lifetime prize in the U.S.
  8. So far, only six states have voted on this game during meetings: Colorado, Connecticut, North Dakota, Montana, Ohio, and South Dakota.
  9. You can claim your Millionaire for Life main prize as a lump sum cash payment or as an annuity for life or for 20 years—whichever is longer.
  10. While no addons have been confirmed for this game, different states might add different addons, such as EZ Match, to the game before launch.

Advanced draws

Players may purchase plays for multiple consecutive drawings, and the maximum amount varies by jurisdiction. The number of advanced draws on a single play is capped at 90 draws, except for ticketless transactions, in which case the limit is 365 consecutive draws.

History

Millionaire for Life was collaboratively designed by the Multi-State Lottery Association (MUSL) and participating state lotteries.

This will be the biggest game with lifetime prizes in the United States, and is expected to replace Lucky for Life and Cash4Life in participating jurisdictions.

The first draw is tentatively scheduled for February 22, 2026.

FAQs

Draws are held every night at 10:00 p.m. CT.

Draws are conducted by MUSL using Digital Draw Systems.

Millionaire for Life is available in participating Multi-state Lottery member jurisdictions, including Colorado, Connecticut, North Dakota, Montana, Ohio, and South Dakota.

Pick five numbers from 1 to 58 and one additional number from 1 to 5, or get random numbers by opting in for Quick Pick. Choose how many draws to enter, and wait for the draw to find out if you've won.

The top prize is an annuity of $1,000,000 a year for life.

Top and second prize winners can choose between an annuity lasting 20 years or a one-time cash option. If there are 21 or more winners at either prize level, all winners must take the lump sum cash payment (no annuity option available). If there are multiple winners for the top or second prize, the prize amount will be divided equally among them.

The cash lump sum option represents the current available prize money. The annuity also takes into consideration the interest that the cash will generate over the time period during which the annuity is paid.

You have a 1 in 22,910,580 chance of winning the Millionaire for Life top prize.

Millionaire for Life has nine different prize categories.

The overall odds of winning any prize are 1 in 8.46.