通过与保险从业人员的访谈 by the interviews with insurance employees
以更实际更全面的角度 with a more practical and comprehensive standpoint
分析免责条款存在的价值 alanysis the existance's value of exemption clause
整句：(we) alanysis the existance's value of exemption clause with a more realistic and comprehensive standpoint by the interviews with insurance employees.