Fructose doesn't need insulin to be converted to glucose in the liver, but I don't think this is what you are thinking at all. Fructose isn't used by the body directly, it almost always has to be first converted to glucose first. Glucose does require insulin to be pulled into cells throughout the body. So fructose does require insulin to be used by the body for energy or to be stored into fat.

When you say insulin isn't needed for fructose it's a fundamental misunderstanding on a few different things.