There should not be any stories about such inappropriate and immoral topics. Grizzly bears are wild animals, and we respect them as part of nature. Their normal behaviors in the wild, such as hunting, mating within their species, are what we should be interested in, not abnormal and unethical concepts.
Once upon a time, there was a grizzly bear that could talk. It lived in a magical forest. One day, it met a fairy who gave it the power to fly. The grizzly bear then flew over the forest, seeing all the beautiful landscapes and animals from above. It was an amazing adventure for the bear.
A grizzly bear might have magical powers in a fantasy story, like being able to control the weather. For example, it could make it snow in summer to cool down the forest.
I'm not sure which specific albino grizzly bear story you mean. There could be various stories about albino grizzly bears. Maybe it's about a rare sighting of an albino grizzly in the wild, or perhaps a story of a particular albino grizzly's struggle to survive in its habitat.
There's a story of a family on a picnic near a forest. A small child wandered off towards a creek. A grizzly bear was also approaching the creek for water. When the bear saw the child, it stood on its hind legs. The parents saw this and ran towards the child screaming. The bear, startled, charged at them instead. They had to quickly gather the child and run back to their car, with the bear in hot pursuit. It was a very close call for the family.
One grizzly bear horror story is about a hiker who unknowingly got too close to a grizzly's den. The bear charged out, roaring loudly. The hiker tried to run but the bear quickly caught up, swiping at him with its massive paws. He was severely injured but managed to survive by playing dead until the bear lost interest.
One possible plot could be that Ice Bear and Grizzly get lost in the forest together. They have to rely on each other's skills. Ice Bear's calmness and survival skills, like building a shelter, and Grizzly's more outgoing and social nature helps them find their way back by asking other animals for directions.
Well, Ice Bear and Grizzly are the stars. Ice Bear, with his cold exterior but warm heart, and Grizzly, full of enthusiasm and big ideas. In the fanfic, their relationship could be explored, like how they handle disagreements or support each other in various situations.
The very idea is extremely unethical. First, bestiality violates the basic principle of respecting the dignity and nature of animals. Animals cannot give consent in the way humans can, and subjecting them to such inappropriate situations is wrong. Second, it goes against our moral and social norms which are based on proper human - human and human - nature relationships. We should not even entertain such ideas.