I used to be afraid that I wasn't good enough to get to heaven. Not because I had done anything wrong (well not much) but because I knew I was too pathetic a human being to do much good, in other words I felt the weight of failure that pressed upon me because I felt responsible for things outside my scope of influence (starving babies in Africa for example.) Even if I sold everything I had, sacrificed any family hopes I had, focused solely on my career in order to earn more money just to send to Africa and then spent my spare time campaigning for political office so I could influence policy toward helping the starving, still I would be pathetic and would not even scratch the surface of a problem that was outside of my sphere of influence.
The problem was that I could not even justify myself because I knew I would selfishly waste my time in mediocrity, selfishly seek my own happiness and welfare and probably do no more than throw a few coins into a collection box. Faced with this knowledge of myself as fairly powerless but also utterly unjustifiable individual I knew deep down that heaven had no place for me - not because some saviour couldn't pay me in by the back door - but really because I'd know I never deserved it, heaven would be an ever existing reminder of my own failure - like the expensive restaurant dinner you can never pay your share of.
I feared judgement day. I feared the consequences even more. Neither heaven or hell seemed a place where I could call home. And of course I still feared the moment of death , the moment of cessation.
Now - devoid of faith - I no longer fear the aftermath of death. The actual moment still craps me out though.