illumend is the AI-native certificate of insurance platform from myCOI, the Indianapolis company that has tracked third-party insurance since 2009. If you landed here from mycoitracking.com, or you are weighing illumend against a platform you can price and start today, this page lays out what actually changed in the rebrand, what illumend publishes, what it does not, and where a self-service alternative fits better.
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Facts read from illumend.ai and the company press record in September 2026. Where illumend publishes no figure, the cell says so rather than guessing.
| Factor | illumend, from myCOI | COISoftware |
|---|---|---|
| Company | MY COI, LLC, Indianapolis, Indiana, founded 2009 | US-based, AI-first COI tracking software |
| Brand status | myCOI rebranded to illumend, launched 6 May 2025; mycoitracking.com redirects to illumend.ai | Single brand, no rebrand |
| Review model | Lumie, the platform AI, reviews every COI and endorsement and makes the compliance decision | AI extraction and rule checks, your team owns exceptions |
| Human reviewers | Available as added oversight in a subscription package, per the vendor FAQ, not the default | None, and we say so |
| Published pricing | No, quote only; illumend.ai/pricing and /plans both return 404 | Yes, Starter 49 dollars and Plus 149 dollars a month, about half billed yearly |
| Free to try | Demo request, ROI calculator and a scorecard; no self-serve trial published | Yes, one-time 10-document demo, no card |
| Annual minimum | Not published | None |
| Endorsement reading | States Lumie reads additional insureds, waivers of subrogation, primary and non-contributory and per-project aggregates line by line | Endorsement forms read as documents, not inferred from ACORD 25 checkboxes |
| Vendor experience | One-click collection with no portal or login for third parties | Email request and upload link, no vendor account required |
| Integrations | Procore published, plus general reference to project, ERP and accounting systems | Excel, CSV and JSON export plus a REST API on Pro |
| Industry focus | Construction, commercial real estate, retail and franchise, utilities, government, manufacturing, transportation, healthcare | Cross-industry, no vertical assumption |
| Time to start | Demo, then an onboarding and requirements audit | Minutes, upload a certificate and go |
illumend publishes its own performance claims, including managing 45 million or more insurance documents, COI management 4 times faster, reviews 87 percent faster than manual, and 50 percent fewer delays from missing documents. Its May 2025 launch release cited a million contracts and 200,000 third parties tracked. Those are the company marketing figures, not audited or independently verified, and we report them as claims rather than repeat them as fact. We hold our own numbers to the same standard. Third-party directories carry dollar estimates for myCOI; those are what a directory says, not what the vendor charges, and no figure on this page is presented as an illumend price.
Most people searching this are current or former myCOI customers working out what the new platform means for them, plus buyers who reached illumend through a demo request and want a second option before the call.
illumend.ai has no pricing page. Both illumend.ai/pricing and illumend.ai/plans return 404, and every route on the site ends at Schedule a Demo, Get Started or an ROI calculator. If you need a budget number before you can book a meeting internally, there is no way to get one from the website.
For sixteen years the myCOI pitch was in-house insurance people reading your certificates. illumend states that its AI, Lumie, makes each compliance decision itself, and that teams wanting more human oversight should talk to the vendor about adding it to their subscription package. That is a real change of product shape, and it is the single most important thing for an existing myCOI account to confirm at renewal.
mycoitracking.com now redirects to illumend.ai. Old pricing links, internal wiki entries and vendor-facing instructions that point at the myCOI domain will land on the new homepage rather than the page they used to reach.
Certificate reading either works on your real, messy certificates or it does not. Judging that from a guided demo is slower and less honest than uploading your worst scan and looking at what comes back.
illumend describes managing 45 million insurance documents for companies across the USA, and its 2025 launch release cited a million contracts and 200,000 third parties. Those are enterprise numbers. A team tracking a few hundred vendors often finds the procurement process heavier than the problem.
None of this makes illumend a weak product. It makes it a particular kind of product: an AI-native compliance platform sold through a demo process to organizations with large third-party populations. The alternative is a different shape, which is software with a published price that you can start the same afternoon. Choosing between them is mostly a decision about how you buy and who owns exceptions, not about which vendor is more capable. The COI tracking software vs managed service comparison works through that decision on its own terms, and the myCOI alternative page covers the same vendor under the name most people still search for.
The same core job, priced on the website, running the same day, with the extraction open to test before you talk to anyone.
Upload or forward a COI and the AI pulls insured, carriers, policy numbers, coverage types, limits, dates and endorsement evidence, including from scans and phone photos, with no template setup.
Starter is 49 dollars a month and Plus is 149 dollars a month, both roughly half that billed yearly, with volume-based Pro tiers listed on the same page. No quote required to learn the number.
Set your requirement rules, upload certificates and go. There is no implementation project between signing up and reading your first certificate.
Minimum limits, required coverage types and required endorsements are checked automatically on every certificate, with short limits and missing endorsements flagged as they land.
The ADDL INSD and SUBR WVD boxes on an ACORD 25 are not proof. Attached endorsement forms are read as documents, which is where additional insured status and waivers are actually granted.
New accounts start with a one-time demo of 10 documents and no credit card. Upload your own real certificate and judge the extraction yourself.
If you are comparing more than these two, the best COI tracking software roundup compares the leading platforms with every published rate marked, and we keep separate pages on the TrustLayer alternative, CertFocus alternative, BCS alternative and Jones alternative questions. If what you liked about myCOI was the staffed review, CertFocus and BCS are the closest like-for-like options, and CertFocus is the one major platform that publishes a per-vendor rate.
Four steps that settle the question with evidence rather than demos.
This is the whole question. illumend puts Lumie in the decision seat and escalates the rare item it cannot resolve. We put the software in the reading seat and leave the call with you. Neither is wrong, but they suit different teams.
Tip: If you are an existing myCOI account, ask in writing whether the staffed review you bought is still included at your current price or is now a package add-on.
Not a clean sample from the vendor. Find the crooked scan or the phone photo a subcontractor emailed you, and run it through the free demo. Extraction quality on real documents is the thing that genuinely differs between platforms.
Ours is on the pricing page. For illumend you will need a quote, so ask whether the price is per vendor, per user, per property or flat, what the annual minimum is, whether implementation is billed separately, and what human oversight costs if you want it.
illumend publishes a Procore connection and refers generally to project, ERP and accounting systems without a full public list. If you run Yardi, MRI, Sage or NetSuite, confirm the specific connector during evaluation rather than assuming coverage.
An alternative page that only lists the competitor weaknesses is a sales page pretending to be a comparison. Here is where illumend genuinely wins.
This is the clearest case. illumend states that Lumie reviews 100 percent of certificates and endorsements at upload and raises its hand only on the rare item it cannot resolve. If you are tracking thousands of vendors, tenants or subcontractors and the bottleneck is a review queue rather than a decision policy, a platform designed to clear that queue automatically is solving your actual problem. We do not staff a review team and we say so on our COI tracking services page.
myCOI has been reading third-party insurance documents since 2009, and illumend is explicitly built on that record. In a category where several competitors launched in the last five years, a long operating history with insurance professionals in the building is worth something real. If your requirements are unusual or heavily negotiated, that depth of experience is a legitimate reason to choose illumend.
illumend publishes one-click certificate collection with no portal or login for third-party partners, and its workflow is designed around people who are not insurance experts. Vendor friction is the quiet reason COI programs stall, because a subcontractor who cannot log in simply does not send the certificate. If you have already failed once on vendor adoption, weigh this seriously.
Procore is the integration illumend names explicitly. If your compliance data needs to sit beside project records in Procore, a published connector beats a spreadsheet export. Our COI tracking for Procore page sets out how we handle the same workflow through export and API.
Published pricing, a free demo you can run on your own certificates today, no annual minimum, no implementation fee and a same-day start. If you need a number before you can get budget approval, and you want to judge extraction quality yourself rather than watch someone else drive, that is the trade we offer.
illumend is AI-native certificate of insurance tracking and compliance software from myCOI, a company operating as MY COI, LLC out of Indianapolis, Indiana since 2009. Its AI engine, Lumie, requests certificates from third parties, reads the certificate and its endorsements, checks the coverage against your contract or lease requirements and manages renewals.
Yes. illumend is the myCOI product under a new name, presented on the site as illumend, from myCOI. The company announced the illumend launch on 6 May 2025, and the old mycoitracking.com address now redirects to illumend.ai. Existing customers log in through a returning myCOI user link, and the G2 review profile still sits under the myCOI name.
illumend does not publish pricing. Both illumend.ai/pricing and illumend.ai/plans return 404, and every route ends at a demo request, an ROI calculator or a compliance scorecard. Cost comes through a quote. Third-party directories carry dollar estimates, but those reflect what a directory lists rather than what the vendor charges, so treat them as unverified.
Lumie is the AI engine inside illumend. The company states that Lumie reaches out to third parties with your exact requirements, guides them to submit correctly, reads every certificate and endorsement line by line, decides whether the coverage satisfies the contract and keeps renewals running. illumend says Lumie reviews 100 percent of documents and escalates only what it cannot resolve.
Not as the default. illumend states that Lumie makes each decision itself, with no queue of documents waiting on a person, and that teams wanting more human oversight built in should talk to the vendor about adding it to their subscription package. That is a meaningful change from the staffed myCOI Concierge model, so existing accounts should confirm what their renewal includes.
It depends which part you are replacing. If you want staffed human review from a different vendor, CertFocus and BCS are the closest like-for-like options and CertFocus publishes a per-vendor rate. If you want software you run yourself with published pricing and a free demo you can start today, COISoftware is the alternative. Match the model first, then compare features.
Yes. Procore is the integration illumend names explicitly in its published feature list, alongside a general reference to other project, ERP and accounting systems. The company does not publish a full connector list, so confirm your specific platform, such as Yardi, MRI or Sage, during evaluation rather than assuming it is covered.
Because the company completed its brand migration to illumend. The myCOI name survives as a descriptor in illumend, from myCOI, and in the returning-customer login, but the primary web address is now illumend.ai. Any old pricing link, internal wiki entry or vendor instruction pointing at the myCOI domain will land on the new homepage rather than the original page.
The same vendor under the name most buyers still search for.
Head to head on AI, service model and vendor experience.
The closest like-for-like option if you want staffed review.
An honest roundup of the leading COI platforms.
Automate it yourself or outsource it: the two models compared.
How certificate compliance fits a Procore project workflow.
No credit card required. New accounts start with a one-time demo of 10 documents.
Start tracking vendor certificates of insurance and never miss an expiration.
USD
per month
per month
$288 charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | 2,500 certificates |
| Pro AI Best accuracy | 500 certificates |
Four times the monthly certificate allowance and four times the Smart Reports.
USD
per month
per month
$888 charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | 10,000 certificates |
| Pro AI Best accuracy | 2,000 certificates |
Enterprise‑grade COI tracking, security, and controls.
USD
per month
per month
$ charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | certificates |
| Pro AI Best accuracy | certificates |
Custom workflows and deployment for AI automation at scale
