myCOI Pricing: What illumend Costs in 2026

Last updated August 2026.

The short answer: myCOI does not publish pricing, and as of 2026 it does not publish it under that name either. myCOI has rebranded to illumend. Its old pricing URL, mycoitracking.com/pricing, now redirects to illumend.ai, which has no pricing page at all. Every path ends at a demo request. The only public cost figures for myCOI are estimates published by a competitor, Vertikal RMS, which puts it in the range of $1,500 to $3,000 per year.

That is the whole answer to the query, so the rest of this page is about what to do with it: how to get a real number out of a quote-based vendor, what the published prices elsewhere in the category actually are, and how to compare a per-vendor rate against a flat subscription without being surprised at renewal.

myCOI is now illumend

The rebrand is recent enough that most search traffic still uses the old name. illumend describes itself on its own site as "the AI-native insurance compliance platform from myCOI, built on 16 years of compliance expertise." The AI engine is called Lumie, and the company states that it reads "every endorsement, every time, line by line," verifying additional insureds, waivers of subrogation, primary and non-contributory wording and per-project aggregates against contract requirements.

That is a meaningful claim and worth taking seriously, because endorsement-level review is the part of COI compliance that most platforms skip. It is also the part that carries a visible market price, which we come back to below.

What did not survive the rebrand is the pricing page. If you land on an old myCOI pricing link from a search result or an internal wiki, you will be redirected to the illumend homepage rather than to a price.

Which COI tracking platforms actually publish a price

This is the useful comparison, because it is verifiable. Prices below were checked against each vendor's own published pages in August 2026. Where a cell says "not published," that means the vendor gives no figure publicly, not that the product is expensive or cheap.

Four of ten publish anything at all. That ratio is the single most useful fact about buying in this category, and it explains why "myCOI pricing" is such a common search in the first place. Buyers are not being lazy. They are trying to build a shortlist without booking five demos, and most of the market will not let them.

Why so much of the category hides its pricing

There are honest reasons and less honest ones, and it helps to know which you are dealing with.

The honest reason is that managed-service COI tracking really is priced per engagement. If credentialed reviewers read every certificate by hand and chase brokers on your behalf, cost scales with vendor count, document complexity and how strict your requirements are. A flat published number would be wrong for most buyers.

The less honest reason is price discrimination. A quote-based model lets a vendor read your company size, your industry and your urgency off the discovery call before naming a number. That is normal enterprise software practice and it is not fraud, but it does mean the first quote is rarely the best one.

The practical consequence for you is the same either way: you cannot compare quote-based vendors on price without running the full sales cycle, so it is worth deciding early whether the extra capability justifies the extra procurement time.

What endorsement checking is worth, in public numbers

There is exactly one place in this market where the price of endorsement-level review is visible, and it is useful as a benchmark when illumend quotes you.

Evident publishes two tiers. Essential, at $15 per vendor per year, verifies basic insurance types. Pro, at $25 per vendor per year, adds verification of additional insurance types "plus endorsements and collateral," along with contract collection, advanced risk profiles and a dedicated customer success manager. The difference between those tiers is about $10 per vendor per year, and endorsement validation is the headline feature that moves between them.

So when a quote-based vendor prices endorsement review as a premium capability, roughly $10 per vendor per year is the only published market reference point you have. On a 400-vendor program that is about $4,000 a year of visible market value for the endorsement layer. If a quote comes in far above that, the extra is buying service and people, not the reading of the form.

That distinction matters because endorsement review is where the real compliance risk sits. The ACORD 25 has two endorsement columns, ADDL INSD and SUBR WVD, and neither one separates ongoing operations from completed operations. Whether you actually hold a CG 20 37 completed operations endorsement can only be answered from the endorsement page itself.

Per-vendor pricing versus a flat subscription

Once you have quotes in hand, the comparison usually comes down to pricing shape rather than headline rate, and the crossover is easy to compute.

At $25 per vendor per year, 100 vendors costs $2,500 annually. At 500 vendors it is $12,500. At 2,000 vendors it is $50,000. A flat subscription does not move with that count, so per-vendor pricing tends to win at small vendor counts and lose badly at large ones. COISoftware's Plus plan at $149 per month, or $888 billed annually, is roughly the equivalent of 36 vendors on Evident Pro. Above that vendor count the flat plan is cheaper, and the gap widens every year as your vendor list grows.

Three questions decide whether the shape works for you. How many vendors do you actually track, including inactive ones you still hold files for? Does the count include every subcontractor tier or only your direct suppliers? And does the vendor bill on vendors invited or vendors compliant, which can differ by a third in a program with slow onboarding?

What to ask illumend on the demo call

If you are going to spend the hour, get these answers in writing rather than in conversation. Each of them has moved a real quote.

• Is the price per vendor, per user, per property or flat? Ask which unit the invoice is calculated on, then ask what happens when that unit doubles.
• Is there an annual minimum or an implementation fee? CertFocus publishes a $7,500 self-service minimum, so the question is not rude and the answer is often the largest line item in year one.
• Does the quoted tier include endorsement review, or is that an upgrade? Use the $10 per vendor benchmark above to sanity-check the delta.
• What is the renewal uplift? Ask for a cap in the contract rather than a reassurance on the call.
• What does it cost to leave? Specifically, can you export every certificate and endorsement PDF, not just a metadata spreadsheet.
• Which integrations are included in this tier? Connectors are a common upsell, and if the platform has no native link to your ERP or property system you will end up wiring the sync between the two systems yourself, which is a real cost that never appears on the quote.

Is illumend worth a quote-based process?

Honestly, sometimes yes. If you are running a large program with complex, tiered insurance requirements and you want compliance professionals handling the broker chase rather than your own team, a managed platform with people behind it is a legitimate purchase, and illumend's stated line-by-line endorsement review is aimed squarely at that buyer.

It is a poor fit if you want to start this month, if your vendor count is in the dozens rather than the thousands, or if you need to know the cost before you can get budget approval. Those buyers are better served by a platform that publishes a number and offers a trial, which is the gap we built COISoftware to fill: AI reads the ACORD 25 and the endorsement pages, verifies coverage against your rules, chases renewals, and costs $49 per month to start with no per-vendor minimum.

If you want the full picture before you commit, we keep a running comparison of every published rate, annual minimum and setup fee in the category on our COI tracking software pricing page, an honest roundup of the platforms themselves on best COI tracking software, and a direct feature comparison on our myCOI alternative page. If endorsement review is the deciding factor, which platforms actually read endorsement pages goes deeper on what each vendor claims.

One last practical note. Whatever you buy, verify the claim rather than the brochure. Upload one of your own messy vendor certificates, ideally one with three endorsement pages stapled behind it, and see what the platform returns. Every vendor in this market says it reads endorsements. The packet on your desk will tell you which ones do.