# Title 10 — Attorney General

## Article 10-16 — Multi-State Lottery

## Chapter 10-16-13 — MILLIONAIRE FOR LIFE Game

[Effective after February 21, 2026]
### § 10-16-13-01. Game description.

(Effective after February 21, 2026)
To play MILLIONAIRE FOR LIFETM, a player selects five different numbers, between one and fifty-
eight, and one additional number between one and five. The additional number may be the same as
one of the first five numbers selected. The price of a play is five dollars. Draws are held every day of
the week.
History: Effective February 22, 2026.
General Authority: NDCC 53-12.1-13
Law Implemented: NDCC 53-12.1-13
### § 10-16-13-02. Prizes and odds.

(Effective after February 21, 2026)
The top prize is one million dollars a year for life. Except as provided by rule, a set prize must be
paid according to these matches per play and prize amounts:
Matches Per Play Prize Odds
5 of 5 + 1 $1,000,000/year for life* 1:22,910,580
5 of 5 $100,000/year for life* 1:5,727,645
4 of 5 + 1 $7,500 1:86,455
4 of 5 $500 1:21,614
3 of 5 + 1 $250 1:1,663
3 of 5 $50 1:416
2 of 5 + 1 $25 1:98
2 of 5 $8 1:24
1 of 5 + 1 $8 1:16
Overall odds of winning a prize on a five dollar play are 1:8.47.
*Prize amounts may be split if there are multiple winners, in accordance with the provisions established
in these rules. Split prizes may be lower than the published prize amounts.
History: Effective February 22, 2026.
General Authority: NDCC 53-12.1-13
Law Implemented: NDCC 53-12.1-13
### § 10-16-13-03. Prize pool and payment.

(Effective after February 21, 2026)
1. The prize pool for all prize categories consists of approximately fifty-five percent of each draw
period's sales.
2. All annuitized payments must be made for a minimum of twenty years.

3. All low-tier set prizes, except the top prize and second prize, must be paid in a single lump
sum cash payment.
History: Effective February 22, 2026.
General Authority: NDCC 53-12.1-13
Law Implemented: NDCC 53-12.1-13
### § 10-16-13-04. Prize liability limits.

(Effective after February 21, 2026)
There are nine prize levels in the game.
1. Except as provided in these rules, the top prize must be annuitized and based on a top prize
liability that will be split equally among the number of winning game tickets. A top prize winner
may request the cash option, the amount of which is to be established by the game group for
a defined period of drawings. Notice of the amount of and changes to the cash option must be
posted on the game's website. Under certain circumstances, as detailed below, the top prize is
required to be paid in a single lump sum cash payment and no annuitized payment option is
available.
a. One top prize winner. If there is one top prize winner, the annuitized prize value is one
million dollars a year for life. As an alternative to the annuitized payment option, the top
prize winner may request the top prize cash option.
b. Two to twenty top prize winners. If there are between two and twenty top prize winners,
the annuitized prize option, based on an annuitized prize value of one million dollars a
year for life, must be divided by the total number of top prize winners. Any of these two to
twenty-one top prize winners may choose the cash option as an alternative to the
annuitized payment option. The amount of the cash option for this category is the amount
of the top prize cash option divided by the total number of top prize winners.
c. Twenty-one or more top prize winners. If there are twenty-one or more top prize winners,
the top prize liability must be split equally among all top winners and paid in a single lump
sum cash payment without an annuitized payment option.
d. The winner or winners of the top prize who do not request the cash option must be paid
their appropriate top prize share on an annual basis for a minimum period of twenty
years. The first top prize payment must be made when the prize is claimed at the lottery's
office.
e. Measuring life. For a single wager, the measuring life of a top prize winner used to
determine the duration over which the top prize is paid, must be the natural life of the
individual determined by the lottery to be the top prize winner. If the top prize under a
single wager is being claimed by more than one individual or by a trust, the measuring
life for that top prize winner must be twenty years.
f. If paid in a single lump sum cash payment, top prize amounts must be rounded to the
nearest whole dollar.
2. Except as provided in these rules, the second prize winner must be paid one hundred
thousand dollars a year for life. A second prize winner may request the cash option, the
amount of which is to be established by the game group for a defined period of drawings.
Notice of the amount of and changes to the cash option must be posted on the game's
website. Under certain circumstances, as detailed below, the second prize is required to be
paid in a single lump sum cash payment and no annuitized payment option is available.
a. One to twenty second prize winners. If there are between one and twenty second prize
winners, the annuitized prize value is one hundred thousand dollars per year for life. Any

of these one to twenty second prize winners may choose the second prize cash option as
an alternative to the annuitized payment option. The amount of the cash option is the
amount of the second prize cash option as determined by the selling lotteries.
b. Twenty-one or more second prize winners. If there are twenty-one or more second prize
winners, the second prize liability is capped at an amount determined by the selling
lotteries and may be split equally among all second prize winners, and paid in a single
lump sum cash payment without an annuitized payment option. The minimum prize value
for this category may not be less than the lowest tier prize paid in that respective
drawing.
c. The winner or winners of the second prize who do not request the cash option must be
paid their appropriate second prize share on an annual basis for a minimum period of
twenty years. The initial second prize payment must be made when the prize is claimed
at the lottery's office; subsequent second prize payments must be made annually
thereafter.
d. Measuring life. For a single wager, the measuring life of a second prize winner used to
determine the duration over which the second prize is paid, must be the natural life of the
individual determined by the lottery to be the second prize winner. If the second prize
under a single wager is being claimed by more than one individual or by a trust, the
measuring life for that second prize winner is twenty years.
e. If paid in a single lump sum cash payment, second prize amounts must be rounded to
the nearest whole dollar.
3. Except as provided in these rules, the third through ninth prize winner must be paid as a set
prize. Third through ninth prizes must be rounded to the nearest whole dollar and paid in a
single lump sum cash payment in accordance with the information below.
a. Third prize - $7,500
b. Fourth prize - $500
c. Fifth prize - $250
d. Sixth prize - $50
e. Seventh prize - $25
f. Eighth prize - $8
g. Ninth prize - $8
History: Effective February 22, 2026.
General Authority: NDCC 53-12.1-13
Law Implemented: NDCC 53-12.1-13
