This has been discussed since I was two years old that I am aware of. That was a long time ago. I have to say that Jesus to me is not an insurance policy, either life, or fire so to me it really doesn't matter.
I didn't ask Jesus to be my Lord and to place my eternal future out of fear of either of these. I declared him My Lord because I think he's the coolest thing in this world and I wish to spend eternity with him wherever he wants me. I trust it will not be either death or in a fire somewhere out of the way.
Actually, I'm not really sure someone can be saved out of fear, but must be out of love for Him and the Father and Spirit.