本文嘗試提出壽險業知識管理的實務模式，同時整合研究方法與資料蒐集的三角測定程序，來探討研究個案知識管理之實務運作流程，分析比較個案間的相同性與差異性。研究結果發現國內壽險業均能運用資訊科技來強化本身競爭力，惟多著重於電子化系統建置的層次，在企業目標上較未獲致共識，完整評估標準與專責單位仍有待建立，長期應以創新策略的作法，不斷創造知識創新的商業價值。整體而言，國內壽險業在知識管理的應用上，應該回歸以人為本體的思惟模式，整合知識管理中資訊系統面與文化生態面的概念，再針對企業體本身特性的差異，發展出一套量身訂作的知識管理實務運作架構，真正將企業體內的內隱與外顯知識，予以資訊化與價值化。

　　This paper suggested the practical model of knowledge management on life insurance. We integrated the triangulation of methodologies and data to study and compare the practical operation on the life insurance cases. This study found the life insurance could improve self-competence by information• technology. But we also found they stayed the information system level and lacked the executive institution of knowledge management. We thought the application of knowledge management should be backward the human capital. They themselves needed to integrate the concept of information system and culture ecology. They considered further themselves characteristics to build the practical model, which combined the tacit and explicit knowledge, for creating the commercial value.