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Our Qualifications

We have been working with individuals and businesses in this area for several years.

We bring our extensive personal and professional experience to the table in every client interaction. As an insurance professional, Joel Hays can assist clients in protecting what that which they value most.

As a Registered Representatives with SM&R*, Joel Hays can offer investment products to help clients address long-term financial goals.

We are dedicated to developing lasting relationships with all of our clients. We believe in helping you define your financial goals and we are committed to working with you to meet them.

*Securities products and services are offered through Agents who are also Registered Representatives and are distributed by Securities Management and Research, Inc. (SM&R), Member FINRA, SIPC, a broker-dealer subsidiary of American National Insurance Company. Securities products are offered by prospectus only, involve investment risks, are subject to market flucuations and the possible loss of principal.

Distinct Financial Solutions is a TX based multiple line insurance agency and Joel Hays is an Agent representing American National Insurance Company and American National Property And Casualty Company. Distinct Financial Solutions and Joel Hays are licensed to sell insurance products in the following states: TX

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas.

Personal and commercial lines insurance is issued by American National Property And Casualty Company (ANPAC^®), its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC^®-Texas), and ANPAC^® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois.

Securities products and services are offered through Agents who are also Registered Representatives and are distributed by Securities Management and Research, Inc. (SM&R), Member FINRA, SIPC, a broker-dealer subsidiary of American National Insurance Company located at 2450 South Shore Blvd., League City, TX 77573 (281) 334-2469. Please note that Distinct Financial Solutions and SM&R are not affiliated. Securities products are offered by prospectus only, involve investment risks, are subject to market fluctuations and the possible loss of principal.

For more information on the Financial Industry Regulatory Authority (FINRA), you may visit their Web site at www.finra.org.

Investors may obtain more information about the Securities Investor Protection Corporation (SIPC), including the SIPC brochure, by contacting SIPC at 202-371-8300 or visit www.sipc.org.

Tax issues that may be discussed are subject to change and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent and eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites, which are not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.