First, observe the insurance commercials carefully. Note the characters, their personalities, and the overall message. Then, start with a simple idea, like what if one of the characters in the commercial had a secret identity. Build on that idea, add some drama or humor, and write it down in a narrative form.
One way to create insurance commercial fan fiction is to really understand the essence of the commercial. If the commercial is about the reliability of an insurance company, you could create a story where the insurance company has to prove its reliability in a very difficult situation. For example, a natural disaster has hit a town and the insurance company's employees, who are the characters from the commercial, have to work hard to help the people. You can also play with the character relationships. If there are two agents in the commercial, you could make them rivals or best friends in your fan fiction. And don't forget to use vivid language to make the story come alive.
To create insurance commercial fan fiction, you need to be inspired by the commercials. Maybe you saw an insurance ad with a talking animal mascot. You could start by imagining that mascot in a different setting, like a magical forest. Then, think about the plot. It could be that the mascot has to save the forest using its insurance knowledge. Write out the story with a beginning, middle, and end, and don't be afraid to add your own unique twists.