I see that this is a very old post, but thought I would reply anyway. I found this while doing a search for fear of death. I am extremely afraid of death, not in the sense that I'm scared to get in a car because it may crash or anything, in the sense that , right now I'm up at 4am because I'm crying because I know I'm going to die one day. What you said about it being the result of a nonproductive life, I somewhat agree with. I feel like my life is extremely productive, and all day long the fear does not cross my mind. However, at least every other night, when I'm laying in bed, I can't go to sleep because I lay there thinking about dying. If I;m not dead tired when I lay down, it happens. I hate to even have any free time to think.