Just focus on fear. For example, think about things that scare you like a haunted house, and then sum it up in five words like 'Haunted house, no escape.'
How about 'Knock, no one there.' You hear a knock at the door, but when you open it, there's nobody. It leaves you with a sense of unease and the feeling that something is playing tricks on you.
Here are some: 'Alone in the dark.' It gives a sense of isolation and the unknown in the darkness which is quite terrifying. Another one could be 'Footsteps, no one there.' Just the idea of hearing footsteps but seeing no one is really spooky. And 'Lost in the forest' also works. Being lost in a vast and often unpredictable forest is a nightmare scenario.
My five - word life story could be 'Challenges, changes, friends, love, growth'. I've faced various challenges in life which led to many changes. Friends have been there through it all, and love in different forms has been a constant. All these experiences have contributed to my personal growth.
Think of a simple fear. For example, 'fear of being alone'. Then turn it into a five - word story like 'Alone with the echoes.' Another way is to consider spooky settings. If you think of a cemetery, you can make 'Cemetery gate won't close.' Also, use sudden actions or events like 'Knife in the darkness.'