Life's tough, then you die.
You never remember falling asleep until you wake up, nor did you know that you were asleep until you woke. Death will be like that, but you will not wake up. There will be no 'you' to know that you are dead, nor that you even died.
As for religions, gods, goddesses, fairies, whatever: anything that might happen after death (including decomposition) will be entirely natural and entirely unaffected by anything you have or have not done while alive. It will apply equally to all - that is only logical. Life and thought require energy and physical presence: you will have neither. There will be nothing: fear of the process is logical, not wanting to cease existence is logical, fear of *being* dead is not.
And yes, as you get older, you think about death more: to me, it is what I will miss out on: settlements on the Moon and Mars, grandchildren and so on. But that's yearning, not fear.
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