Cash4Life is an American multi-jurisdictional lottery drawing game; as of April 2021, it is offered by ten state lotteries, and is drawn nightly. Ticket sales began on June 13, 2014 in New York and New Jersey; the first drawing took place three days later.

Cash4Life logo.


Each game costs $2 per drawing. Players pick five white ball numbers from 1 through 60 in the main field, plus one number from 1 through 4 from the second field, the green “Cash Ball”. Players also have the option to have the terminal randomly select the numbers in both fields. Matching all five numbers in the main field plus the Cash Ball wins, or shares ("split-prize liability"), the equivalent of $1,000-per-day-for-life, or $7,000,000 cash, at the winner's option. Second prize, however, can have multiple winners of $1,000-per-week-for-life and/or $1,000,000 cash. New Jersey Lottery regulations require that players choose either the annuity or cash option when playing. First- and second-prize winners who chose the "annuity" option can change to the cash option after winning; however, the "cash" option is binding and cannot be changed. [1]

New Jersey's Doubler NJ optionEdit

On May 15, 2017, New Jersey added an option, called Doubler NJ; it can be added to a Cash4Life ticket for an additional $1 per play. Any non-"for Life" prize is doubled. New Jersey remains the only Cash4Life state with such an option.

Odds and prizesEdit

Matches Prize Approximate odds
of winning
(per $2 play)
White Balls
Cash Ball
Base Prize Doubler NJ
5 1 $1,000/Day for Life (or cash option)†‡ 1: 21,846,048
5 0 $1,000/Week for Life (or cash option)† 1: 7,282,016
4 1 $2,500† $5,000† 1: 79,440
4 0 $500 $1,000† 1: 26,480
3 1 $100 $200 1: 1,471
3 0 $25 $50 1: 490
2 1 $10 $20 1: 83
2 0 $4 $8 1: 28
1 1 $2 $4 1: 13

The overall odds of winning are approximately 1:7.76. The prize pool is 55 percent of sales.[2]

† The top two annuitized prizes, third prize, and the $1,000 Doubler NJ prize each have a liability limit. If there are an excessive number of winners of a "lifetime" prize tier, such prizes will automatically be paid in cash to each winner.[1] Cash option values (which can change periodically), as of April 2021, are $7,000,000 for the top prize, and $1,000,000 for second prize.

‡ The top prize is "split-prize liability"; in essence, a non-progressive jackpot.

Winners of either "lifetime" prize tier can receive cash in lieu of the lifetime annuity. Rules also vary by Cash4Life member: a ticket bought in Florida whose winner prefers the cash option must claim within 60 days of the drawing. New Jersey requires the cash/annuity choice be made when purchasing a ticket; a "cash option" choice is legally binding, but an "annuity option" ticket can be changed to the "cash option" when claiming.


The nightly Cash4Life drawings are held live from Studio B (a.k.a. the Cash4Life Studio) at New Jersey Lottery Headquarters at Lawrence Park Complex in Trenton, New Jersey at 9:00 p.m. Eastern Time on Livestream.[3] Each drawing is supervised by an auditor from Hamilton, New Jersey-based Mercadien P.C., a CPA and Asset Management firm.[4][5][6] The drawings were originally hosted by Erica Young, through May 10, 2018.[7] Lauren Berman replaced Young in 2018. The current hostess is Jacqueline Knox, who previously served as a co-hostess since 2014. If she is unavailable, off-camera announcers are used. The practice of using off-camera announcers have been used particularly during the COVID-19 pandemic.

Two drawing machines are used during each Cash4Life drawing. The larger machine (Magnum II) is used for randomly mixing the 60 white balls by using counter-rotating arms.[8][9] The smaller machine (Messenger Single Digit) mixes the four green Cash Balls by using a clockwise rotating arm.[10][11] Individually, the five white balls (several seconds apart) followed by the green Cash Ball are drawn; each ball drops through a hole at the bottom of the appropriate mixing drum. The drawing machines are manufactured by Smartplay International of Edgewater Park, New Jersey.[12][13]

Cash4Life was initially drawn on Monday and Thursday evenings. Beginning July 1, 2019, Cash4Life is drawn nightly.[14]

Participating lotteriesEdit

Members Joined Additional notes
Florida February 17, 2017
Georgia August 29, 2016
Indiana September 19, 2016
Maryland January 26, 2016
New Jersey June 13, 2014 Serves as the flagship lottery for Cash4Life.
New York June 13, 2014 Replaced Sweet Million.
Pennsylvania April 7, 2015
Virginia May 3, 2015 Replaced Decades of Dollars, a multi-state game which ended as a Virginia-only game.
Tennessee November 1, 2015
Missouri[15] April 11, 2021 Missouri previously offered Lucky for Life from 2015 to April 8, 2021; it is the only state lottery to offer both "lifetime payout" draw games, although not simultaneously.

† Original member

Cash4Life tickets representing four of the game's nine members

1998–2000 MUSL gameEdit

Cash4Life was also the name of a significantly different game offered from March 30, 1998 to September 7, 2000 by the Multi-State Lottery Association (MUSL). The top prize, $1,000-per-week-for-life (no cash option), was won if the player's primary set of two-digit numbers (00 through 99) matched those drawn. It was offered in Indiana, Iowa, Kansas, Minnesota, Montana, Nebraska, New Hampshire, South Dakota, West Virginia, Wisconsin, and the District of Columbia.[16]

See alsoEdit


  1. ^ a b "Cash4Life Game Rules" (PDF).
  2. ^ New Jersey Cash 4 Life Game Rules
  3. ^
  4. ^
  5. ^ "Cash4Life by CASH4LIFE".
  6. ^ "New York Lottery: Cash4Life". Archived from the original on June 25, 2014. Retrieved June 25, 2014.(press release)
  7. ^ "Lauren Berman's Lottery debut.mp4".
  8. ^
  9. ^!AptgyLLNTnZ9gstEpZMqXlRmN7fvIg[permanent dead link]
  10. ^ "Messenger Single Digit Lottery Machine".
  11. ^!AptgyLLNTnZ9gstEpZMqXlRmN7fvIg[permanent dead link]
  12. ^ "Messenger Single Digit Lottery Machine".
  13. ^
  14. ^!AptgyLLNTnZ9g-oL8zY87x32gjK4DQ[permanent dead link]
  15. ^
  16. ^ Barker, Thomas; Britz, Marjie (2000). Jokers Wild: Legalized Gambling in the Twenty-first Century. Greenwood Publishing Group. p. 87. ISBN 9780275965877.

External linksEdit

Official website