If the winner passes away within 20 years, the winner’s beneficiary would have the option to receive either the remaining annuity payments in the same amount and frequency for the balance of the 20-year term or the commuted value of the remainder of the annuity (i.e. value of the balance of the 20-year term) as a lump sum. If the winner has multiple beneficiaries, the commuted value will be paid as a lump sum and divided among the beneficiaries. However, if the winner passes away after more than 20 years, the annuity is complete and no further payments are made.