Which factor does not contribute to the susceptibility of the insurance industry to money laundering?

The insurance industry is particularly susceptible to money laundering due to various structural and operational factors. However, guaranteed products, which typically involve contracts that promise a certain return or payout, do not inherently enhance this susceptibility. These products are generally straightforward in their function and regulation, making it more difficult for illicit activities to go unnoticed within their framework.

On the other hand, the roles of agents and brokers who may lack awareness about the need for thorough client screening can lead to significant vulnerabilities. Similarly, the characteristics of certain policies and annuities that can be cashed in provide avenues for individuals to convert illicit funds into seemingly legitimate assets. Independent agents, who operate outside the direct oversight of larger insurance companies, can also contribute to gaps in compliance and oversight that are exploitable for money laundering activities.

Thus, while various industry traits can create risks for money laundering, the nature of guaranteed products is not one of them, making it the correct choice in this context.