依財政部保險司每半年對壽險申訴案件的統計觀察，客戶對壽險公司提出申訴的件數有逐年遞增的趨勢，申訴原因多為理賠給付、契約保全服務、業務員招攬、保費收費糾紛、商品條款及法規等爭議。客服員若能於第一時間以專業的知識回應申訴問題，勢必可減少申訴數量。但面對浩瀚的壽險各領域知識，客服中心的成員不易具備所有足以應付客戶問題的知識，實施知識管理將組織內各種知識公開化、標準化、制度化、科技化，已成為刻不容緩的任務。 為解決壽險客服中心因取得壽險專業知識的障礙而無法提供客戶滿意的服務，本研究對客服中心可能應用的各種知識，探討已被發表的知識管理分類、呈現與檢索等應用的相關技術，提出符合客服中心需求的以知識本體為基礎的壽險知識問題檢索架構，除了提供壽險專業知識的建立、搜尋、分享環境，並將原始文件儲存為XML或RDF的語意文件，做為將來跨平台與跨應用系統資料交換的基礎，提升客服中心服務效率、節省客服人力與行政成本，留住忠誠的客戶以達成CRM的目的，進而提升企業競爭力。 / According to the regular semi-annual statistic report from Insurance Department of MOF Taiwan, the complain cases from policy owners are increasing year by year. The reasons of complain are claims, underwriting, policy services, marketing, premium collections, policy clauses and regulations. If the customer service representatives (CSR) could solve the problems at the right time with their domain knowledge of life insurance, the volumes of complain should be descended explicitly. But it is hard to ask a CSR to play the role with variety domain knowledge of life insurance. Implement the knowledge management mechanism to standardize and enrich the organization memory are the first priority in life insurance companies. In order to overcome the barrier of dissatisfaction about customer service, this research try to study the related theories and technologies of knowledge classification, knowledge representation, knowledge acquisition tools, inference and problem solving methods. The results of this research announce an architecture of ontology based customer relationship management for Life Insurance Company to build, represent, search, and share the life insurance domain knowledge. Addition, to save the original semi-structured or unstructured documents into semantic formats of XML or RDF. It could provides the data exchange between heterogeneous databases and platforms. The advantages are more efficiency and cost down for the customer service departments, retain the royalty customers and get more competence advantage for the company.