AND I QUOTE:

I've never been one to fear my own death. Not that I want to die, of course. I've just always seen death as a lights-out proposition. You're gone. Either it's the end of you ... or it's a beginning. Either way, I don't imagine there's much looking back. I've never bought the whole fire-and-brimstone thing, the concept of reward or punishment at death. The idea that a tally has been kept of our good or evil or mediocre deeds, and that the soul is filed away accordingly for all eternity, just doesn't ring true. Humans judge that way. I tend to think that God probably doesn't. He or she just keeps doling out the lessons with endless patience until you finally "get it" in this life or the next.
"Sliver of Truth" by Lisa Unger