I assume you find the true religion, follow the holy texts, and worship God(s). But not everyone has an equal opportunity to do this, so how are those people treated in the afterlife? If, for the sake of argument, Catholicism is the true religion then many people have an advantage in being brought up in the Church but many more people do not. Seems to me that some people are disadvantaged, e.g.: Uncontacted tribes who haven't even heard of Jesus. People who have been indoctrinated into false religions or atheism. People who have studied the options to the best of their ability and have come to the wrong conclusion. Fellow Christians in different branches/sects of the religion. People who might have accepted the true religion in the future but were killed by a misfortune or an injustice. People who died in the womb or in childhood (does baptism or similar matter?). People who don't have the inclination and/or the capacity for studying religion. People who were born before the advent of the religion, e.g. pagan philosophers or prehistoric humans. People who might have accepted the true religion but are put off by the actions of the church. Seems harsh to send those people to hell or limbo for something that was beyond their control. But it also seems to devalue the true religious teachings if you say "well, this is the right one but if you're good you can get into heaven anyway." The second option also doesn't go well with the claims to absolute and universal moral truth that religions usually have (but I think it's the position of the Dalai Lama). I think the ideal situation would be that every soul has equal access to truth and falsehood and equal opportunities to pursue the right path or to fall away into falsehood and evil. That doesn't seem to be how things are - which seems unfair. Maybe I'm using individualistic or humanistic ideas which don't apply? In some religions there are many lifetimes in which a soul can perfect itself which seems fairer than having one confusing lifetime to get it right.