What happens when we die?

Can anyone really know?  Many religions and theologians assert that there is an after-life.  Some imply a heaven and a hell. Naturalists live here and now and do not believe in an afterlife. They look upon the afterlife as wishful thinking. 

Many religions claim that their  followers will be rewarded by their belief with an afterlife of eternal joy.  At the same time they claim that non-believers will be punished in a place of eternal suffering 

All the major religions have this reward and punishment ( carrot and stick) component to their doctrine. Pascal, the French mathematician, developed a wager:

The REAL Wager: