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Odds of Winning Set For Life

Set For Life offers eight different prize tiers, including two annuity prizes, one of which is paid out over a period of 30 years. The table below has details of all the prizes you can win when playing Set For Life, as well as the odds of winning each.

Match Prize Odds
5 + Life Ball £10,000 every month for 30 years 1 in 15,339,390
5 £10,000 every month for 1 year 1 in 1,704,377
4 + Life Ball £250 1 in 73,045
4 £50 1 in 8,116
3 + Life Ball £30 1 in 1,782
3 £20 1 in 198
2 + Life Ball £10 1 in 134
2 £5 1 in 15
The overall odds of winning any Set For Life prize are 1 in 12.4

All prizes are fixed amounts. In exceptional circumstances, the value of the two annuity prizes may be capped.

An estimated 54 percent of the revenue from Set for Life ticket sales will be used to fund prizes, although this will differ slightly between draws depending on the number of total winners there are. If the top prize is not won in any given draw it will not roll over to the following one.

Annuity Prizes

The top two Set for Life prizes – won by matching five numbers plus the Life Ball, or five numbers alone – differ from the others in that they are paid out gradually over a period of time, instead of in one lump sum payment. The top prize pays out £10,000 every month for 30 years, totalling £3.6 million, while the second prize pays £10,000 every month for one year, for a total of £120,000. There is no option to take a lump sum instead of the annuity payments.

Like any other UK lottery prizes, the annuities are tax free. If the winner of an annuity prize should die before all the payments are made, the balance of the remaining payments will be made to their estate.