My guess is out of instinct. Even those who strongly believe in an afterlife fear death (actually, you could argue they fear it even more, but that's a different discussion).
We are programmed to be averse to death, and if you're someone who believes that it is in fact the complete end, or even a doorway to the unknown, that is hell'a frightening.
I'm more confused by people who don't have a fear of death than those who do.
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