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Set For Life FAQs

Find the answers to some of the most frequently asked questions about Set For Life, including important information about how to play and how to claim prizes. You can also Contact Us if you still have any other queries about the game.

How do I play Set For Life?

To play Set For Life, select five numbers from 1 to 47 and a Life Ball from a separate pool between 1 and 10. You can choose your own numbers or opt for a Lucky Dip if you would prefer a random selection. The game can be played online or by visiting authorised retailers. Go to the How to Play page for more information.

When are the draws?

Draws take place on Monday and Thursday evenings at around 8.00pm.

How much does it cost to play?

It costs £1.50 per line to play Set For Life.

What are the odds of winning?

The odds of winning the top prize are approximately 1 in 15.3 million, while the chances of winning any prize are 1 in 12.4.

How can I win prizes?

There are eight different ways to win prizes. You win a prize if you match at least two of the main numbers drawn, and the awards get larger as you match more numbers. To win the top prize, you must match all five main numbers and the Life Ball. Take a look at the Prizes page for more information.

What is the Life Ball?

The Life Ball is a sixth number drawn after the five main numbers and the aim is to match it with the one you picked. If you manage to match the Life Ball and all five main numbers, you win the top prize.

The same number has been drawn twice – how can that happen?

The five main numbers and the Life Ball are drawn from separate pools, so it is possible for the same number to appear more than once in a single draw. You can also select the same number as one of your five main choices and the Life Ball on your ticket.

What is an annuity lottery?

An annuity lottery is a game which awards a series of regular payments to winners rather than a single payment. In Set For Life, the top prize is £10,000 a month for 30 years, while the second prize is £10,000 a month for one year. Set For Life became the UK’s first annuity game when it was launched in early 2019. Learn more about annuity lotteries around the world.

Are there rollovers if nobody wins the top prize?

No. The top prize stays at £10,000 a month for 30 years in every draw.

What are Super Chance draws?

Super Chance draws are special Set For Life draws, which are held occasionally throughout the year. Where in a regular draw you must match five main numbers and the Life Ball to win the top prize, a Super Chance draw requires you to match just five main numbers – shortening the odds of winning the top prize from 1 in 15.3 million to 1 in 1.5 million. If no one wins the top prize during a Super Chance draw, the following one will also be Super Chance draw, and so on until the top prize is won. For more information, visit the Super Chance page.

Where does all the money from ticket sales go?

Around 54 percent of the money from ticket sales is paid straight back to players as prizes. However, the percentage does vary from draw to draw depending on the number of winners. All eight prize tiers offer fixed awards so you are guaranteed to win the specified amount, but the top two prizes may be capped if there are an unusually high number of winners. After prizes have been paid, the rest of the money is used to help good causes, as well as to cover the cost of operating games, retailer commissions and lottery duty to the government.

Does the top prize go the winner’s estate if they die?

Yes. If a winner dies before the annuity has finished, a lump sum equal to the amount of the remaining payments will be given to the winner’s estate.

Is the top prize tax-free?

Yes. The top prize, like all UK lottery prizes, is tax-free. Regardless of your individual tax situation, you will receive £10,000 every month if you match all the numbers. You can only claim the prize as a lump sum in very limited circumstances.

What is prize capping?

If there are an unusual number of winners of the top two prizes, the prize money may be limited. The maximum amount that can be awarded in the top prize tier in a single draw is £16 million, so if there are five or more winners, they will receive an equal share of this money. The second prize is capped at £2 million per draw. In the event of a Super Chance draw, prize capping still applies, though the cap for the top prize is increased to £18 million.