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((Short description|Game offered by ten U.S. lotteries))
((more citations needed|date=June 2014))
((Use mdy dates|date=June 2014))

[[File:Cash4Life logo.png|thumb|Cash4Life logo]]
'''Cash4Life''' is an American multi-jurisdictional [[lottery game|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 Lottery|New York]] and [[New Jersey Lottery|New Jersey]]; the first drawing took place three days later.

==Rules==
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 [[Legally binding|binding]] and cannot be changed.<ref name=Rules>((cite web|url=http://www.state.nj.us/lottery/games/rules/Cash4Life%20Game%20Rules.pdf|title=Cash4Life Game Rules|access-date=June 25, 2014|archive-date=June 16, 2014|archive-url=https://web.archive.org/web/20140616201032/http://www.state.nj.us/lottery/games/rules/Cash4Life%20Game%20Rules.pdf|url-status=live))</ref>

===New Jersey's ''Doubler NJ'' option===
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.((citation needed|date=May 2017))

==Odds and prizes==
{| cellspacing=4; class="wikitable"
!colspan=2|Matches
!colspan=2|Prize
!rowspan=2|Approximate odds<br>of winning<br>(per $2 play)
|-
!White Balls<br/>(60)
!Cash Ball<br/>(4)
!Base Prize
!Doubler NJ
|-
| style="text-align:center;"|5
| style="text-align:center;"|1
| colspan=2 |$1,000 a Day for Life ($7,000,000 cash)†‡
|1: 21,846,048
|-
| style="text-align:center;"|5
| style="text-align:center;"|0
| colspan=2 |$1,000 a Week for Life ($1,000,000 cash)†
|1: 7,282,016
|-
| style="text-align:center;"|4
| style="text-align:center;"|1
| style="text-align:center;"|$2,500†
| style="text-align:center;"|$5,000†
|1: 79,440
|-
| style="text-align:center;"|4
| style="text-align:center;"|0
| style="text-align:center;"|$500
| style="text-align:center;"|$1,000†
|1: 26,480
|-
| style="text-align:center;"|3
| style="text-align:center;"|1
| style="text-align:center;"|$100
| style="text-align:center;"|$200
|1: 1,471
|-
| style="text-align:center;"|3
| style="text-align:center;"|0
| style="text-align:center;"|$25
| style="text-align:center;"|$50
|1: 490
|-
| style="text-align:center;"|2
| style="text-align:center;"|1
| style="text-align:center;"|$10
| style="text-align:center;"|$20
|1: 83
|-
| style="text-align:center;"|2
| style="text-align:center;"|0
| style="text-align:center;"|$4
| style="text-align:center;"|$8
|1: 28
|-
| style="text-align:center;"|1
| style="text-align:center;"|1
| style="text-align:center;"|$2
| style="text-align:center;"|$4
|1: 13 
|}

The overall odds of winning are approximately 1:7.76. The prize pool is 55 percent of sales.<ref name="Official Game Rules">((Cite web |url=http://www.state.nj.us/lottery/games/rules/Cash4Life%20Game%20Rules.pdf |title=New Jersey Cash 4 Life Game Rules |access-date=June 25, 2014 |archive-date=June 16, 2014 |archive-url=https://web.archive.org/web/20140616201032/http://www.state.nj.us/lottery/games/rules/Cash4Life%20Game%20Rules.pdf |url-status=live ))</ref>

† The top two annuitized prizes, third prize, and the $1,000 ''Doubler NJ'' prize each have a liability limit. If there are multiple winners of the top prize, the prize is divided between the winners. If there are more than 14 top prize winners in the same drawing then the prize will automatically be paid in cash to each winner. If there are more than five second prize winners in the same draw the prize will be awarded in cash and be divided evenly among the winners for that draw. If there are more than the number of winners established in the rules of the game for the third prize and the fourth prize with the “DOUBLER NJ” feature the prize for that category will be distributed based on the amount established in the game’s rules.<ref name=Rules /> 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.

==Drawings==

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&nbsp;p.m. [[Eastern Time Zone|Eastern Time]] on [[Livestream]].<ref>((Cite web |url=https://www.njlottery.com/en-us/aboutus/contactus.html |title=NJ Lottery &#124; Contact Us |access-date=January 8, 2018 |archive-date=September 28, 2017 |archive-url=https://web.archive.org/web/20170928005922/https://www.njlottery.com/en-us/aboutus/contactus.html |url-status=live ))</ref> Each drawing is supervised by an auditor from [[Hamilton Township, Mercer County, New Jersey|Hamilton, New Jersey]]-based Mercadien P.C., a CPA and Asset Management firm.<ref>((Cite web |url=https://www.njlottery.com/en-us/drawgames/cash4life.html#tab-howToPlay |title=NJ Lottery &#124; Cash4Life |access-date=April 3, 2017 |archive-date=April 1, 2017 |archive-url=https://web.archive.org/web/20170401072234/https://www.njlottery.com/en-us/drawgames/cash4life.html#tab-howToPlay |url-status=live ))</ref><ref>((cite web|url=https://livestream.com/Cash4Life/events/5051567|title=Cash4Life by CASH4LIFE|access-date=April 3, 2017|archive-date=April 4, 2017|archive-url=https://web.archive.org/web/20170404132314/https://livestream.com/Cash4Life/events/5051567|url-status=live))</ref><ref>((cite web |url=http://nylottery.ny.gov/wps/portal/!ut/p/c5/04_SB8K8xLLM9MSSzPy8xBz9CP0os_jggBC3kDBPE0MLC0dnA09vT0fLQDNvA0dfU30_j_zcVP2CbEdFACF_Djk!/dl3/d3/L0lDU0lKSWdrbUEhIS9JRFJBQUlpQ2dBek15cXchLzRCRWo4bzBGbEdpdC1iWHBBRUEhLzdfU1BURlRWSTQxODhBQzBJS0lBOVE2SzBRUzAvdEZGU3c2OTAyMDAwOQ!!/?PC_7_SPTFTVI4188AC0IKIA9Q6K0QS0_WCM_CONTEXT=/wps/wcm/connect/nysl+content+library/nysl+internet+site/home/your+lottery/news/news+details/new+york+and+new+jersey+lotteries+launch+new+cash4life+game+offering+%241%2C000+a+day+for+life+top+prize |archive-url=https://archive.today/20140625023051/http://nylottery.ny.gov/wps/portal/!ut/p/c5/04_SB8K8xLLM9MSSzPy8xBz9CP0os_jggBC3kDBPE0MLC0dnA09vT0fLQDNvA0dfU30_j_zcVP2CbEdFACF_Djk!/dl3/d3/L0lDU0lKSWdrbUEhIS9JRFJBQUlpQ2dBek15cXchLzRCRWo4bzBGbEdpdC1iWHBBRUEhLzdfU1BURlRWSTQxODhBQzBJS0lBOVE2SzBRUzAvdEZGU3c2OTAyMDAwOQ!!/?PC_7_SPTFTVI4188AC0IKIA9Q6K0QS0_WCM_CONTEXT=/wps/wcm/connect/nysl+content+library/nysl+internet+site/home/your+lottery/news/news+details/new+york+and+new+jersey+lotteries+launch+new+cash4life+game+offering+$1,000+a+day+for+life+top+prize |url-status=dead |archive-date=2014-06-25 |title=New York Lottery: Cash4Life |publisher=Nylottery.ny.gov |access-date=2014-06-25 ))(press release)</ref> The drawings were originally hosted by Erica Young, through May 10, 2018.<ref>((Cite web|url=https://1drv.ms/v/s!AptgyLLNTnZ9g75BmwF8TuIem5sxGw?e=EGV3Cx|title=Lauren Berman's Lottery debut.mp4|access-date=June 24, 2020|archive-date=August 6, 2022|archive-url=https://web.archive.org/web/20220806145237/https://onedrive.live.com/?cid=7d764ecdb2c8609b&id=7D764ECDB2C8609B%2157153&ithint=video,mp4&authkey=!AJsBfE7iHpubMRs|url-status=live))</ref> 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 I) is used for randomly mixing the 60 white balls by using counter-rotating arms.<ref name="Magnum II Lottery Draw Machine">((Cite web|url=https://smartplay.com/lottery-products/magnum-ii-lottery-draw-machine/#1502120979536-559013e4-fa65|title=Magnum II Lottery Draw Machine|access-date=September 22, 2018|archive-date=September 23, 2018|archive-url=https://web.archive.org/web/20180923005552/https://smartplay.com/lottery-products/magnum-ii-lottery-draw-machine/#1502120979536-559013e4-fa65|url-status=live))</ref><ref name="1drv.ms">https://1drv.ms/u/s!AptgyLLNTnZ9gstEpZMqXlRmN7fvIg((Dead link|date=July 2020 |bot=InternetArchiveBot |fix-attempted=yes ))</ref> The smaller machine (Messenger Single Digit) mixes the four green Cash Balls by using a clockwise rotating arm.<ref name="smartplay.com">((Cite web|url=https://smartplay.com/lottery-products/messenger/|title=Messenger Single Digit Lottery Machine|access-date=September 22, 2018|archive-date=September 23, 2018|archive-url=https://web.archive.org/web/20180923005617/https://smartplay.com/lottery-products/messenger/|url-status=live))</ref><ref name="1drv.ms"/> 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]].<ref name="smartplay.com"/><ref name="Magnum II Lottery Draw Machine"/>

Cash4Life was initially drawn on Monday and Thursday evenings. Beginning July 1, 2019, Cash4Life is drawn nightly.<ref>https://1drv.ms/u/s!AptgyLLNTnZ9g-oL8zY87x32gjK4DQ((Dead link|date=July 2020 |bot=InternetArchiveBot |fix-attempted=yes ))</ref>

==Participating lotteries==
[[File:Cash4Life_members_map.svg|thumb|400x400px|Map of U.S. states and territories offering Cash4Life, as of February 2023]]
Ten states currently participate in Cash4Life.
{|class="wikitable sortable"
|-
!Members
!Joined
!Additional notes
|-
|[[Florida Lottery|Florida]]
|February 17, 2017
|
|-
|[[Georgia Lottery|Georgia]]
|August 29, 2016
|
|-
|[[Hoosier Lottery|Indiana]]
|September 19, 2016
|
|-
|[[Maryland Lottery|Maryland]]
|January 26, 2016
| 
|-
|[[Missouri Lottery|Missouri]]<ref>((Cite web |url=https://www.lotterypost.com/news/336235 |title=Missouri Lottery to join Cash4Life multi-state game &#124; Lottery Post |access-date=April 9, 2021 |archive-date=April 8, 2021 |archive-url=https://web.archive.org/web/20210408235106/https://www.lotterypost.com/news/336235 |url-status=live ))</ref>
|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.
|-
|[[New Jersey Lottery|New Jersey]]†
|June 13, 2014
|Serves as the flagship lottery for Cash4Life. 
|-
|[[New York Lottery|New York]]†
|June 13, 2014
|Replaced ''Sweet Million''.
|-
|[[Pennsylvania Lottery|Pennsylvania]] 
|April 7, 2015
| 
|-
|[[Tennessee Lottery|Tennessee]]
|November 1, 2015
| 
|-
|[[Virginia Lottery|Virginia]]
|May 3, 2015
|Replaced ''[[Decades of Dollars]]'', a multi-state game which ended as a Virginia-only game.  
|}

† Original member

[[File:Cash4Life tickets.jpg|thumb|Cash4Life tickets representing four of the game's ten members]]

==1998 Cash 4 Life Format==
''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.<ref>((cite book|url=https://books.google.com/books?id=YXFZ4Du-8lMC&q=cash4life+1998&pg=PA87|title=Jokers Wild: Legalized Gambling in the Twenty-first Century|first1=Thomas|last1=Barker|first2=Marjie|last2=Britz|year=2000|publisher=Greenwood Publishing Group|page=87|isbn=9780275965877|access-date=November 5, 2020|archive-date=August 6, 2022|archive-url=https://web.archive.org/web/20220806145234/https://books.google.com/books?id=YXFZ4Du-8lMC&q=cash4life+1998&pg=PA87|url-status=live))</ref>

==See also==
*[[Lucky for Life]], a similar game that began in Connecticut(as ''Lucky4Life'') in 2009; available in 25 states and the [[D.C. Lottery|District of Columbia]] as of 2019.

==References==
((reflist))

==External links==

* ((official|http://www.state.nj.us/lottery/games/1-9_cash4life.shtml))

((U.S. lotteries))

[[Category:Lottery games in the United States]]

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