This was the Lord’s great aim in being made flesh – to release his chosen ones from the power of death, where the devil claimed to hold them as his own. He came to release them from actual death and from the fear of death.
Broadly speaking it is the biological norm for people to be afraid of death. Even a Christian who is near to death, who might be looking forward to heaven in his spirit and in his mind, somehow in his body he trembles at death; both are true. This should be reflected in funerals. If a funeral service is not solemn, it is not doing justice to the Christian faith. The glorious side to death is obviously that we are with Christ in eternal bliss, with souls saved, but of course there is a very sad side, because death means separation and grief and loss to those left behind and a funeral service should balance those things.
Some people are not afraid of death; does the text apply to them? Do all spend their lifetime in fear of death? Yes they do in one sense or another. Some people actually feel frightened of death, if there is a shadow on the x-ray or something of that sort, but everybody fears death in the sense that they are at least cowed by it and limited by it and know their time will come. Even if you're one of those who doesn't tremble, you bow to it, you are cowed by it, so in some sense or another you fear death.