UK Set for Life Odds and Prizes

Find out the odds and prizes for UK Set For Life, including how the annuity payouts work if you win in one of the top two categories.

How You Can Win

To win the jackpot, you must match all five of the main numbers and the Lucky Ball. The payoff is £10,000 a month for 30 years. Unlike other 'For Life' lotteries around the world, there is no lump-sum alternative.

The prize for matching all five main numbers without the Life Ball is £10,000 a month for one year. The remaining prizes are fixed, one-off amounts.

Prize Table and Odds

You can see all the different ways to win in the table below, along with the odds for each category. Your overall chances of winning a prize are 1 in 12.4.

Numbers Matched	Odds of Winning	Prize
Match 5 + Life Ball	1 in 15,339,390	£10,000 a month for 30 years
Match 5	1 in 1,704,377	£10,000 a month for 1 year
Match 4 + Life Ball	1 in 73,045	£250
Match 4	1 in 8,116	£50
Match 3 + Life Ball	1 in 1,782	£30
Match 3	1 in 198	£20
Match 2 + Life Ball	1 in 134	£10
Match 2	1 in 15	£5

If you win in any of the categories, you will receive the full advertised prize even if there are multiple winners. However, prize capping rules are in place for the top two tiers, which would come into play in very rare circumstances where there are a lot more winners than usual.

There is a maximum prize fund of £16 million for the top prize, so if there were five or more winners each one would receive a reduced amount per month. In this case, there would also be the option to receive a one-off lump sum.

For the second tier, the most that can be paid out in a single draw is £2 million, which would cover 16 winners. If there are more players in the Match 5 category, they would receive a reduced amount every month for one year.

If a Set For Life winner dies before they have received all their money, the rest is given to their estate as a lump-sum payment.