I hope I check out after a long life and without any pain. If not, then yes, I'm going to be afraid.
I feel like I've done a lot of things in my life to feel fulfilled, even now. I know there is more to come since I'm just in mid-life, but if I live the rest of my years being a little boring, that's fine. I have no regrets. My life has had normal ups and downs, but I've mainly lived a happy life, been a good person, and have had wonderful people around me.
I don't believe there is a spirit to be immortal in the first place, so no, no after-life, no spirits, no hauntings. Also, I don't believe in heaven or hell. When I die, I die. It will be over. It would be nice to believe in the romantic notion that we live on somehow, or we can connect with loved ones who passed before us, but I don't. I'm a woman that trusts science and reason -- not religion or spirituality.