A cute quokka wearing sunglasses and holding a shopping bag.

The ad opens with a teal background and white text. A quokka wearing sunglasses and a beaded bracelet appears, holding a shopping bag and a smartphone. The quokka gestures towards the viewer. The HBF logo appears in the bottom right corner. As the ad progresses, statistics comparing HBF's premium increase to the industry average are displayed. The quokka remains on screen, looking cheerful. The ad ends with a call to action button.