In the Freezing Seas of Ataflorand:

Theta shivered fiercely. Snow fell thickly around her, making it seem the world had turned into a white oblivion. Ice crystals were quickly forming on her wet cloak as she pulled it tighter around her shoulders. Theta had been floating on various chunks of ice trying to reach mainland for, to her, what seemed like forever. She knew she'd either freeze to death or starve before she reached land. The Seas were located way up North and every few hours froze solid enough to run on. False hope was the only thing keeping her going now, and she knew it, too. Theta wished the Twins were with her. They'd know what to do.

Suddenly her little island of ice stopped moving. She looked up from the ball she had curled into and saw the Seas had frozen over! Powered by hope Theta stood and, shakily at first, began to run in what she hoped was the way to land. She ran for what felt like ages, sweating despite the cold. Although she couldn't see too far past her nose, she looked around hoping to signs of land. Ice beneath her, snow around her, then, ice above her? Theta slowly realized she was underwater! Without noticing she had fallen through a week spot in the ice! The little breath she had in her lungs wouldn't last long, and she was sinking fast. The blue of the ice was dimming as the water slowly turned to pitch black. She tried fighting for the surface but her cloak tangled around her and she couldn't move. She wished she hadn't left her fans in Gregornia.

A black figure in the water started rushing for her at amazing speed. Theta stopped struggling, all her strength fading with each moment. Black filled the edges of her peripheral vision and the last of her breath left her as a weird peace enveloped her.

So this is what it feels like to die...

She vaguely saw the figure reach forward and embrace her.