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

Guaranteed products do not contribute to the susceptibility of the insurance industry to money laundering because they typically offer a predictable and secure return, making them less attractive for illicit financial activities compared to more complex or flexible financial instruments. Money laundering generally thrives in environments where there's a high level of ambiguity or where funds can be easily manipulated. Products like guaranteed life insurance policies do not provide much room for the forms of financial obfuscation that money launderers seek.

On the other hand, the other factors listed, such as agents and brokers being unaware of screening requirements, cashable insurance policies and annuities, and independent agents operating without direct oversight from the insurance companies, all create vulnerabilities in the system. These factors can lead to a lack of proper due diligence and client monitoring, which are essential in preventing money laundering activities.