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How Do Annuity Lotteries Work?

An annuity lottery is a type of game that pays prize money out to winners gradually over a period of time, rather than in one lump sum. The term “annuity” comes from the fact that these types of games pay out a certain sum on an annual basis. Some games offer monthly, weekly, or sometimes even daily payments, but they all fall under the banner of annuity lotteries.

These lotteries are otherwise played similarly to those that offer big lump sum jackpots. You still have to choose a set of numbers and you still have to match them with those drawn to win anything. Some, such as Powerball and Mega Millions in the United States, actually offer winners the choice between taking jackpot prizes as a lump sum or as an annuity to be paid over a number of years. Others, such as Set For Life in the UK, strictly state that the top prizes must be taken as annuities.

How World Lottery Club Works

Setting Up an Account

Creating a free account at World Lottery Club takes less than ten minutes.

Here’s how:

  1. Click on the red “Login/Register” button located at the top-right corner of their website.
  2. Click on the “Register for a New Account” button.
  3. In the registration form, enter the following details: gender, first and last names, email address, password, country, phone number, complete address, postcode, and date of birth.
  4. Verify that you have read their terms and conditions.
  5. Click on the big, red “Register” button.
  6. You’ll have to deposit some funds into your account. You can choose to do this later at checkout though.
  7. Start playing!

Playing

World Lottery Club works just like any other lottery site – playing is no exception.

Here’s how:

  1. Log in to your account.
  2. Choose from the available lottery games.
  3. Pick your numbers. You can do so manually or have the system choose them for you. (For three of the most popular games – Powerball, Euromillions and Mega Millions – you can also initiate a quick purchase via the navigation menu using the Lucky Picks option.)
  4. Choose how many draws you want to play, or decide whether you want to subscribe.
  5. Click on the big yellow button to proceed.
  6. Confirm your order and payment details.
  7. Click on the red “Pay Now” button once you’re done.
  8. Wait to see if you win!

Winning

Claiming prizes at World Lottery Club is a breeze.

World Lottery Club deposits all winnings – whether small or large – to player accounts, so you don’t have to worry about traveling far to get your money. There are differences depending on how much you win, though.

For winnings £50,000 or less, you’ll see the money in your account as soon as possible. These will be coming from World Lottery Club’s own funds.

For winnings beyond £50,000, you could wait up to 40 days before your account gets credited. World Lottery secures the funds by making a claim with their insurance provider or claiming from the relevant lottery provider.

For winnings beyond £10 million, you get the first £10 million in one payment. The remainder will be spread out over 19 equal, annual payments. These annual payments will be credited to you within 7 days of your first payment’s anniversary.

World Lottery Club Winners – Has anyone won on World Lottery Club?

In July 2018, Piotr Krok, a resident of Norwich UK, was reported to have won £32,800 when he placed a bet on US Powerball, using the lottery-betting site LottoGo. LottoGo is a rebrand of World Lottery Club. Check out or LottoGo review for more information.

Examples of Annuity Lotteries

The lure of a guaranteed income for the foreseeable future makes annuity games very appealing to many players, and the format remains as popular as ever. Here are some of the most notable examples from around the world.

Set For Life (UK)

Set For Life was launched by the UK National Lottery in early 2019 in a bid to attract new players by offering a different form of payout that wasn’t currently available to its players. It offers fixed annuity payments of £10,000 each month for 30 years to jackpot winners who match all six numbers, and £10,000 per month for one year to those who match five main numbers. You can find more information on the Set For Life page.

Cash4Life (US)

Cash4Life, a multi-state lottery in the US, offers lucky winners in the top two prize tiers a choice of receiving annuity payments or a lump sum. Jackpot winners who match all six numbers can opt for the annuity prize of $1,000 a day for life, or a $7 million lump sum. Ticket holders who match all five main numbers can choose between annuity payments of $1,000 each week for life, or a $1 million one-off prize.

Gagnant à Vie (Canada)

There are nine prizes to be won in the Canadian Gagnant à Vie draw, including the jackpot payout for those who match all six main numbers. Jackpot winners have a choice between receiving annuity payments of $1,000 per week for life, or a lump sum of $1 million. Charlie Lagarde had this very dilemma following her 18th birthday, and the lucky ticket holder opted for annuity payments after meeting with a financial advisor.

The Bottom Line

Give World Lottery Club a look – they offer several games that may interest you. Just don’t expect a flawless experience.

If you use Visa, Mastercard, Skrill or NETeller – and don’t mind simply betting on lottery outcomes – then World Lottery Club is definitely worth a look. Just remember that World Lottery Club may deduct a significant amount from your winnings, and that you have to purchase 24 draws worth of tickets to get discounts.

If you do choose to try World Lottery Club, you’re looking at a secure, user-friendly lottery site with a decent variety of games. I say, give them a look – but don’t commit to a purchase without checking out other alternatives first.

17 Lottery Games Offered

Regular Lottery Games

World Lottery Club’s single play games offer good variety – which I definitely liked.

On the contrary, World Lottery Club assembles a decent range of games. You’ve got popular lotteries like US Powerball and Mega Millions alongside lesser known games like Finnish Lotto or Swedish Lotto.

Take a look at all their available games below:

Lottery Games
US Powerball Euromillions Mega Millions
UK Lotto SuperEnalotto Irish Lotto
Eurojackpot OZ Lotto Australia Monday & Wednesday Lotto
Australia Powerball Australia Saturday Lotto Polish Lotto
6Aus49 Swedish Lotto Finnish Lotto
El Gordo El Nino

Syndicates

World Lottery Club has a decent lottery syndicate collection for people interested in group play.

All of World Lottery Club’s single-play lotteries are also available as syndicates, with the exception of Australia Monday & Wednesday Lotto.

World Lottery Club even goes one step better: the European Club syndicate. This is a syndicate bundle that includes two 55-entry shares to Euromillions (for two separate draws) and one 45-entry share to Eurojackpot, for a total of 155 entries. At only £9.00, this is a pretty good deal if you like playing in syndicates.

Interactive Games

World Lottery Club’s scratch cards and slots give you options for interactive play.

Scratch cards are pretty easy: if you’ve used real-life scratch cards before, playing their virtual counterparts is no different.

Okay, you don’t actually “scratch” the cards, but the mechanics are still the same. You click on each cell to reveal the images underneath. If you get the same images a certain number of times, you win! It’s that easy.

A sample of their virtual scratch cards.

World Lottery Club offers 26 scratch cards with various themes. You can choose how many games you want to play, and you can even play a free demo of each game if you want to see how they work.

Prizes vary depending on the game you choose. The lowest prize cap is £250, while the highest you can win is £125,000.

World Lottery Club offers various virtual slots.

Other Apps

If you also play the Health Lottery or the Irish Lotto games, you can download our dedicated apps for these lotteries using the links below. Or, if you fancy a bit of mobile gaming, why not give our Lottery Games Casino app a try?

Health Lottery

Find out all the latest information about the four Health Lottery draws a week with this handy app, which features results for every draw since the lottery’s inception, a ticket checker and a random number generator to create that perfect line to help you win up to £100,000.

More Information

Casino Games

Access some of the finest casino games wherever you go courtesy of the Lottery.co.uk Casino app. You could be winning big on blackjack, experiencing the excitement of roulette and sampling your favourite slots games on the bus, from or even at the gym.

Irish Lotto

The free Irish Lottery app is perfect for you if you take part in this fun game. Find out the results and full prize breakdown from each of the last ten draws and the winning numbers from every draw in the history of the game. There is also a handy ticket checker and a random number generator.

More Information

Alternatives to World Lottery Club

World Lottery Club is a decent lottery site – but there are better ones out there. Here are the 3 best options:

theLotter Review

Choose from a vast game selection!

theLotter offers 53 single play lotteries and 24 syndicates. There’s the occasional raffle, too.

Purchase tickets easily.

theLotter accepts over 29 payment methods, so you don’t have to jump through hoops just to deposit funds or purchase tickets.

Get official entries.

theLotter is a lottery agent, which means they purchase actual lottery tickets on your behalf. Unlike World Lottery Club, you’re not betting on outcomes – you’re a participant.

WinTrillions Review

Top-notch game variety.

WinTrillions not only offers 20 single play games and 13 syndicates, you can also play millionaire raffles and raffle syndicates.

Wide array of payment methods.

WinTrillions accepts 32 payment methods, from popular credit cards to a various e-wallets – it’s easy to purchase tickets or deposit funds.

Only multi-draw purchases accepted.

You won’t be able to purchase single-entry tickets for single entries. Unfortunately, this means each purchase will cost you more than at other sites.

LottoKings Review

Wide selection of games.

LottoKings also offers 29 lotteries, some syndicates, and a few millionaire raffles.

Jackpots can be claimed on your behalf.

You can allow LottoKings to claim your winnings for you. Getting your money from them is easy, too: you can choose whether you want to be issued a check or to claim the money at the nearest LottoKings office.

Tickets aren’t scanned.

Other Features

Lottery Education Materials

World Lottery Club offers impressive education materials.

World Lottery Club does a solid job of explaining how each lottery game works. I give them a huge thumbs up for this one!

Do you want to learn more about, say, Mega Millions? World Lottery Club will run down how it works, show you what the jackpot structure looks like, and more. You’ll want to brush up on your jargon, though, because World Lottery Club doesn’t give you an in-depth glossary.

Ease of Use

World Lottery Club has one of the simplest websites around.

I really like World Lottery Club’s uncluttered, minimalist interface. You’ll have no problems finding your way around their simple website. Up top, World Lottery Club’s main menu links you to the different game pages, while the front page gives you an overview of their offerings.

You can register for an account and buy tickets with a few clicks.

World Lottery Club’s website is quite simple.

What Are the Benefits of Annuities?

An annuity lottery provides some advantages over a standard game in which the winner just receives a one-off payment:

Steady Income

One of the dangers of receiving a jackpot prize as a lump sum is you might spend it all in one go. There is less risk of doing so with annuity lotteries, as the prize payments are spread over a period of time, giving you a steady income and the opportunity to plan what you’re going to do with the money without the temptation of spending the huge sum sat in your bank account.

Financial Protection

The rules are different for each game, but in current annuity lotteries the payments will just switch to the family of a winner for a designated period of time if they die. In Set For Life, for example, the rules state that any outstanding money will be paid to the winner’s estate as a lump sum.

Fixed Jackpot Amounts

Annuity lotteries such as Lucky For Life and Set For Life have fixed jackpot amounts in each draw, regardless of ticket sales and whether the top prize was won in the previous game. Compare this to the likes of EuroMillions where, if the jackpot is won, the top prize for the next draw automatically resets to €17 million, normally a much lower figure compared to the previous game.

Odds of Winning

The chances of winning prizes on an annuity lottery are often far better than the odds of landing a jackpot on other games. For example, your chances of winning the Set For Life jackpot are 1 in 15 million, considerably better than EuroMillions’ 1 in 139 million odds and the 1 in 45 million chance of winning big in Lotto.

National Lottery Results App

Be the first to see the latest UK National Lottery results with this free app for iOS and Android devices. It is the perfect lottery companion, whether you enter Lotto every week or play EuroMillions for the big jackpots.

The App is available on iPhone, iPad, iPod Touch, and Android devices. Use the buttons below to download the App for your device, or learn more about the many useful features available.

Free Download

Android

More Information

Download the app for free to benefit from a range of useful features and receive the latest winning numbers as soon as they’re drawn. You can scan your lottery tickets to see what prizes you’ve won and save your numbers to check them instantly in the future.

App Features

Lottery.co.uk’s Lottery Results app has everything you need to stay up-to-date with UK National Lottery games. Here are just some of the features included in the app:

  • Lottery Results — The latest winning numbers will be delivered to your device straight after the draws have concluded. You can find the results for all National Lottery draw games, including Lotto, EuroMillions, and Set For Life.
  • Customisable Notifications — Choose which notifications you receive, as well as when you receive them. Whether you want to be notified of the winning numbers from all games or you just want to know when the jackpot gets to a certain size, you have complete control.
  • Ticket Checker — Use your device’s camera to scan your lottery ticket and find out in an instant whether you have won. You can also save your favourite numbers to check at a later date and filter the results to only include the results you need to see.
  • Results Archives — Access Lottery.co.uk’s extensive archive of results from all National Lottery games, stretching back to when each game began. Whether you want to see the EuroMillions results from last year or the winning Lotto numbers from 20 years ago, you can find what you need in these archives.
  • Customise Your App — Set your app up so it only shows you the information you need. You can choose which lottery results you want to see and in what order they appear on the home screen. You will be prompted to do this when you first launch the app, but you can update this at any time through the settings.

How to Scan Your Lottery Ticket With the App

Scanning your tickets couldn’t be easier. It’s helpful when you have multiple lines to check and takes a fraction of the time. There’s no need to wait until prize amounts are confirmed on a draw night. As soon as results are available, you can scan your ticket to find out if you’ve matched a winning combination!

Follow these steps to find out how to use the scanner:

  • Open the App and tap the blue «Scan Your Lottery Ticket» button at the top of the screen.
  • Locate the QR code on your ticket. It’s the square box beneath the message that reads either «Check if you’re a winner» or «Check your ticket the easy way».
  • Point your phone screen at the QR code, allowing a few seconds for the code to be scanned.
  • The App will then check your ticket against the winning numbers and let you know if you’ve won a prize! Note: If you check your ticket before prizes are confirmed on the night, you will see the message «Won» for any winning lines. You would need to check back later once prize amounts are confirmed to see the amount you’ve won.

Other Apps

If you also play the Health Lottery or the Irish Lotto games, you can download our dedicated apps for these lotteries using the links below. Or, if you fancy a bit of mobile gaming, why not give our Lottery Games Casino app a try?

Health Lottery

Find out all the latest information about the four Health Lottery draws a week with this handy app, which features results for every draw since the lottery’s inception, a ticket checker and a random number generator to create that perfect line to help you win up to £100,000.

More Information

Casino Games

Access some of the finest casino games wherever you go courtesy of the Lottery.co.uk Casino app. You could be winning big on blackjack, experiencing the excitement of roulette and sampling your favourite slots games on the bus, from or even at the gym.

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