Note: One voice coming from the left speaker and another from the right. The voices will seem as if they are moving towards each other throughout the spot and will finally come together at the end.
(SFX: Home ambience, guy laughing) WOMAN: You are laughing at your father's baldhead. (SFX: Coconut rolling) MAN: A coconut is rolling down a hill in Hawaii. WOMAN: You don't believe that it's genetic. (SFX: Hitting a wall) MAN: The coconut hits a wall. WOMAN: You get hit by male pattern baldness. MAN: The coconut grows into a tree. WOMAN: You can't stand the cold. MAN: Locals call the tree Coco. WOMAN: You've had enough. MAN: Coco bears its first fruit. (SFX: Airplane) WOMAN: You take off to Honolulu. MAN: Coco's fruit ripens. (SFX: Hiking) WOMAN: You go hiking. (SFX: Stretching) MAN: Coco's fruits turn heavy. (SFX: panting) WOMAN: You feel the sun on your face. (SFX: Further stretching) MAN: Coco is bending under the weight. WOMAN: You stop for a rest. (SFX: Even further stretching) MAN: Coco tries hard to hold on. (SFX: Yawn) WOMAN: You take a nap under a tree. MAN: Coco gives up. (SFX: Coconut falling, man groaning) ANNCR: For when your destinies meet, stay travel insured with Commercial Insurance. Call 1280, 24 hours.