Scottish Equitable is working with the FSA to design a contracting-out decision tree.The complexity of the issue means few intermediaries are keen to advise on the issue. The move coincides with the Government Actuary’s Department making its recommendations for the level of contracted-out rebates for the next five years. The GAD has ignored FSA research calling for a 40 per cent rise in rebates and prop- oses that rebates should fall for younger people. People closest to retirement could see up to a 30 per cent rise in rebates but insurers say this is not enough to give them confidence when deciding whether to stay contracted out. Scottish Equitable pensions development director Stewart Ritchie says: “We are working with the FSA to agree a user-friendly decision-tree-style process that people can use themselves or with a little help from their advisers.” But ScotEq says the decision still comes down to softer issues such as whether people trust the Government to deliver on its pension promises because the rebates for any age group are not attractive enough to base the decision on numbers alone. Norwich Union head of pensions Iain Oliver says the companies will continue to recommend that clients contract back in. Hargreaves Lansdown head of research Tom McPhail expects to see wholesale contracting back in.