Lucky for Life
Lucky for Life (LFL) is a lottery drawing game (as of July 2017) available in 23 states and the District of Columbia. Lucky for Life, which began in 2009 in Connecticut as Lucky-4-Life, became a New England–wide game three years later, and added eleven lotteries during 2015. LFL's slogan is "The Game of a Lifetime". Drawings remain in Connecticut; Lucky for Life is drawn Mondays and Thursdays at 10:38 p.m. Eastern Time, using two drawing machines and numbered balls.[1]
Lucky for Life was modified on September 17, 2013, adding a second "lifetime" prize tier, and a cash option for either annuity tier; LFL was modified again in January 2015 to its current format. Each Lucky for Life play costs $2.
With the District of Columbia joining Lucky for Life (the first member added without changing the game's double matrix) on February 15, 2015, Kentucky on March 22, 2015, Ohio on November 15, 2015, Iowa on January 24, 2016, North Carolina on February 7, 2016, North Dakota on February 26, 2016, Colorado on July 17, 2016, Kansas on November 15, 2016, Wyoming on December 4, 2016, and South Dakota on June 4, 2017, the game now has 24 members.
The Nebraska Lottery will become the 25th to offer Lucky for Life, on August 20, 2017.
First- and second-prize payouts
Unlike other American lottery games (the exception being the nine-state Cash4Life) 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.[2] Second prize is $25,000 per year for life.
Lucky for Life uses a 5/48 (white balls) + 1/18 (green "Lucky Balls") draw matrix; 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 4 of 39 white balls and 1 of 19 green "Lucky Balls"; hence the name Lucky-4-Life.)
The 5/43 + 1/43 version never produced a top prize-winning ticket; the first winner under the current matrix was sold in South Carolina for the November 19, 2015 drawing. The winner, who claimed the prize anonymously under SCEL rules, was the first winner to choose cash in lieu of the annuity for the game's top prize, as all previous top prize winners are receiving their winnings under the game's pre-2013 rules.
Odds and prizes
A player wins a prize according to the following chart (effective January 27, 2015):
| Matches | Prize | Approximate probability of winning on a $2 bet | |
|---|---|---|---|
| White balls (48) |
Lucky Ball (18) | ||
| 5 | 1 | $1,000/day or cash option† | 1: 30,821,472 |
| 5 | 0 | $25,000/year or cash option†‡ | 1: 1,813,028 |
| 4 | 1 | $5,000‡ | 1: 143,356 |
| 4 | 0 | $200 | 1: 8433 |
| 3 | 1 | $150 | 1: 3413 |
| 2 | 1 | $25 | 1: 250 |
| 3 | 0 | $20 | 1: 201 |
| 1 | 1 | $6 | 1: 50 |
| 0 | 1 | $4 | 1: 32 |
| 2 | 0 | $3 | 1: 15 |
† First-prize cash option is $5,750,000; multiple winners share the top prize regardless of payment option(s) chosen. 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 also have liability limits.
The prize pool is approximately 60 percent of sales.
The overall odds of winning are 1:7.8.[3]
Lucky for Life members
Current members (24)
| Members | Joined |
|---|---|
| Arkansas | January 27, 2015 |
| Colorado | July 17, 2016 |
| Connecticut † | 2009 |
| Delaware | January 27, 2015 |
| District of Columbia | February 15, 2015 |
| Idaho | January 27, 2015 |
| Iowa ‡ | January 24, 2016 |
| Kansas | November 15, 2016 |
| Kentucky | March 22, 2015 |
| Maine | 2012 |
| Massachusetts | 2012 |
| Michigan | January 27, 2015 |
| Minnesota | January 27, 2015 |
| Missouri | January 27, 2015 |
| Montana | January 27, 2015 |
| New Hampshire | 2012 |
| North Carolina | February 7, 2016 |
| North Dakota | February 26, 2016 |
| Ohio | November 15, 2015 |
| Rhode Island | 2012 |
| South Carolina | January 27, 2015 |
| South Dakota | June 4, 2017 |
| Vermont | 2012 |
| Wyoming | December 4, 2016 |
† Original member; game started as Lucky-4-Life. Connecticut continues to host the drawings.
‡ Iowa's minimum age to purchase lottery tickets is 21.
Future members
- Nebraska (August 20, 2017)
- The addition of Nebraska will make Lucky for Life available in 24 states and the District of Columbia.
The minimum age to play LFL is 18, except in Iowa, where it is 21.[4] (Future member Nebraska requires players to be at least 19.)
See also
- Cash4Life, a similar game offered in Florida, Georgia, Indiana, Maryland, New Jersey, New York, Pennsylvania, Tennessee, and Virginia.
References
- ↑ http://www.neluckyforlife.com/about/ (retrieved April 2, 2012)
- ↑ https://www.nhlottery.com/Games/LuckyForLife/Rules.aspx (retrieved April 2, 2012)
- ↑ "Lucky For Life Frequently Asked Questions". Retrieved 12 June 2015.
- ↑ "Buying Tickets". www.ialottery.com. Iowa Lottery. Retrieved 2 October 2015.