# CalcFocus

> Cloud\-native policy administration and illustration solutions for life, annuity, and health insurance markets

## At a glance

| Field | Value |
| --- | --- |
| Category | Core Administration |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Philadelphia, Pennsylvania |
| Founded | 2014 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | PE-Backed |

## Overview

CalcFocus is a leading provider of cloud-native policy administration and illustration solutions to the individual and group life, health, and annuity insurance markets. Founded in 2014 by insurance technology veterans Tommy and Lindsey McCahill, the company combines deep insurance expertise with modern, adaptable technology, empowering carriers to navigate complexity with confidence.

In an industry encumbered by decades of product and regulatory changes and technical debt, CalcFocus focuses on modern, sustainable and practical solutions for the Life, Annuity, Accident and Health industry for both Individual and Group markets. The company delivers mission-critical core systems to nearly 20 leading individual and group life, health, and annuity insurance carriers and service providers.

CalcFocus has achieved a 100% success rate for implementations and systems migrations, empowering carriers to replace legacy systems with confidence, supported by modern, best-in-class tools and industry-leading expertise. In January 2026, the company announced a significant growth investment from Pamlico Capital and appointed insurance technology veteran Sandia Ren as CEO.

## Products & services

### Achieve

Cloud-deployed enterprise policy administration system offering integrated software components for end-to-end processing. Achieve is a comprehensive Individual and Group Life, Annuity, Accident & Health cloud-based policy administration system that handles complexity without creating friction, adapts to business rules, and scales confidently.

**Key features:**

- Full suite of integrated software components for end\-to\-end processing
- eApplication, Billing and Collection, and Policy Owner Services
- Handles Life, Annuity, Accident, Health, and Group products
- Flexibility to adapt to complex business rules

*Target users:* Insurance Carriers, TPAs

### Forecast

Dynamic illustration platform that turns complexity into clarity, purpose-built to empower field forces at the point-of-sale with visual, personalized illustrations. Features modern new business and inforce illustrations with state-of-the-art interactive graphs and robo-advice.

**Key features:**

- Interactive graphs and robo\-advice
- New business and inforce illustration support
- Tracks progress toward client goals
- Powerful inforce capabilities powered by automation

*Target users:* Agents, Distributors, Carriers

### CoreCalc

Real-time product definition and calculation engine available through APIs, delivering total accuracy, seamless integration, and faster product launches. CoreCalc is the industry's smartest calculation engine providing a single source of truth for confident operations.

**Key features:**

- Real\-time calculation engine
- API\-based delivery
- Product definition management
- Faster time\-to\-market for new products

*Target users:* Insurance Carriers, IT Teams

### Migrate

Enterprise-grade migration platform designed to transform how insurers handle policy conversions. Built for precision, scalability, and speed, Migrate empowers carriers to move from product logic to policy-level detail with unmatched accuracy and control.

**Key features:**

- Automated accuracy with dynamic scorecards for full traceability
- Comprehensive data handling for every record, rule, and beneficiary
- Seamless integration via modern APIs and file\-based integration
- Supports digital transformation, M&A, and TPA transitions

*Target users:* Insurance Carriers, TPAs

## Category & focus

- Subcategories: Policy Administration, Illustration, Calculation Engine, Migration
- Insurance verticals: Life & Annuity, Health, Group Benefits
- Target customers: Carriers, TPAs

## Notable customers

- Unum \(Group Whole Life on Achieve Platform\)
- Multiple leading insurance carriers and TPAs

## Links

- Website: <https://calcfocus.com>
- Directory profile: <https://insurtechlist.com/companies/calcfocus/>
- Blog: <https://calcfocus.com/resources/>
- About: <https://calcfocus.com/about/>
- Linkedin: <https://www.linkedin.com/company/calcfocus>
- Products: <https://calcfocus.com/products/>

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*Last updated: 2026\-05\-12*