Firstly, you aren't going to die!!
Are you sure it's mold on top and not yeast?
It's good practice not to throw any beer away until you're absolutely sure is infected AND it's a few months old. I'm drinking one right now that I was about to dump because last time I tasted it (a month ago) it was tasteless and thin. It's now extremely tasty with a good firm head.
I think you'd know if it was infected. Most beginners would probably be suprised at how bad young beer can taste. Especially when they later taste the same brew a few weeks later.
My advice would be to bottle it and get on with brewing the next batch.