"The immediate interest rate for valuing lump sum payments for the month of January 2014 is 1.75% and the deferred interest rate I1 is 4.00%, I2 is 4.00%, and I3 is 4.00%.... The spot first, second, and third segment rates for determining the variable rate premium amount for premium payment years commencing in December 2013 are, respectively, 1.19%, 4.53%, and 5.66%. The spot first, second, and third segment rates for determining the variable rate premium amount for premium payment years commencing in November 2013 were, respectively, 1.24%, 4.47% and 5.52%."