Built for Insurance. Powered by Technology.

In an industry encumbered by decades of product and regulatory changes, crushing technical debt, and new software entrants with a scarcity of subject matter expertise, we focus on modern, sustainable and practical solutions that include cutting edge software and expert services for the Life, Annuity, Accident and Health industry for both the Individual and Group markets.

CalcFocus combines deep insurance expertise with modern, adaptable technology, empowering carriers to navigate complexity with confidence, deliver seamless experiences, and unlock new opportunities for growth. Purpose-built for integration and change, our solutions don’t just simplify insurance—they transform it.

With the richest out of the box functionality, modern tools designed for the insurance vertical, and best-in-class industry expert teams, CalcFocus has a proven record of success modernizing carrier’s existing front and back office.

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Achieve

Taking you further… faster

Achieve is a comprehensive policy administration and insurance lifecycle management system built for insurers who expect more. It handles complexity without creating friction, adapts to your business rules, and scales confidently across Life, Annuity, Accident, Health, and Group. Designed to streamline operations, reduce reliance on rigid legacy systems, and grow with your organization, Achieve delivers the flexibility, control, and performance today’s insurers need to stay ahead.

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Forecast

Make every move count

Bring your products to life with a dynamic illustration platform that turns complexity into clarity. Purpose-built to  empower your field force at the point-of-sale with visual, personalized illustrations that show how your products meet customer needs—now and over time. Track progress toward client goals with powerful inforce capabilities – powered by automation to simplify the complex. Trusted by insurers who expect more.

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CoreCalc

No guesswork… just precision

Built for insurers who demand accuracy, CoreCalc is the intelligence behind smarter insurance! Our real-time product definition and calculation engine used by our software and available to yours through APIs, delivers total accuracy, seamless integration, and faster product launches. One source of truth powering every decision— Zero doubt. Total control.

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Migrate

From chaos to clarity

Migrations are complex—and high stakes. They demand precision, control, and the right tools to get it right. That’s why we built Migrate: a solution engineered to handle the hard parts of migration with automated, auditable, and repeatable processes. Every policy, rule, and record is accounted for—moved with confidence, not compromise.

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Tools

Total control. Zero compromise

Our toolset puts control where it belongs—in your hands. Configure complex products without unnecessary duplication. Test and deploy with confidence using built-in automation. Extend and connect your systems with flexible logic that fits your business. Designed to replace complexity with clarity and help insurers move with purpose.

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Purpose-Built for Insurance

CalcFocus designs software that speaks the language of insurance—because we’ve lived it. Our platforms are built by experts who understand your business, your challenges, and the complexity behind every rule, rate, and regulation.

Clarity Over Complexity

We don’t just simplify systems—we bring clarity to the entire insurance lifecycle. From illustration and onboarding to policy administration and migration, we help you move faster, operate smarter, and grow with confidence.

Flexible Technology. Real Control.

Our solutions are designed to fit your business—not force you to fit ours. With configurable tools, modular architecture, and seamless integration, you get the power to adapt and scale on your terms.

Trusted Performance, End to End

Whether you’re launching a new product, migrating a legacy block, or optimizing daily workflows, CalcFocus delivers enterprise-grade performance with precision, reliability, and full traceability from quote to claim.

Built to Evolve With You

We don’t build one-size-fits-all software—we build future-ready platforms that evolve with your strategy. As your needs shift, your systems won’t just keep up—they’ll help lead the way.

Precision Where It Matters Most

In insurance, small errors create big consequences. CalcFocus delivers the accuracy and auditability modern insurers need—so every rate, rule, and calculation performs exactly as expected, every time.

Voice of Our Clients

Client Testimonials

The success of our clients is the true testament to the value CalcFocus brings to the insurance industry. Here are some examples of how our clients succeeded with CalcFocus.

“[…] My staff, the ultimate judge in any system change, is incredibly impressed with Achieve’s capabilities – tasks that previously took hours have been reduced to minutes, providing improved experiences for both our Members and our staff.”

Rear Admiral Brian Luther, USN (Ret.)President & CEO, Navy Mutual

“We are excited to announce the completion of our platform integration with CalcFocus, bringing innovative solutions to the life insurance and annuity market. CalcFocus’s support for a broad spectrum of complex products and seasoned team add new depth to our TPA capabilities. This partnership underscores our commitment to driving excellence and delivering superior service to our clients.”

Proneet SharmaIndustry President, NTT DATA

“CalcFocus has a deep understanding of insurance products and processes. Their platform is robust and easy to navigate, which helps us serve the dynamic needs of our customers”

Lou Ann WhiteVP of Universal Life, Unum Group