COVID-19, an infectious disease, has spread globally. This study refers to past research experience to develop a valid and reliable self-assessment tool, taking into consideration Taiwan’s special experience in tracking the contact history and travel history of people infected with COVID-19. This study develops a self-assessment tool for evaluating the fear & stress of COVID-19 scale and examines the impact of personal COVID-19 fear and stress on life satisfaction. The results of the study show that the fear & stress of COVID-19 scale provides good reliability and validity test evidence, and confirms that the higher the degree of personal COVID-19 fear & stress, the lower the life satisfaction. The results of this study also further revealed that the factor structure of the scale is gender-invariant, and women’s "emotional reactions" such as panic, nervousness, and irritability are significantly higher than those of men.