religion

usually based on selling people a personal insurance policy that can only be cashed in at death by the purchaser. therefore, impossible to know whether said religion has enough assets in the account to draw on or whether the seller has skipped off with the benefits, until too late. therefore, faith based. often accompanied by general claim to a sky-god/s authority of some kind, portrayed usually by representatives as a highly-strung, insecure person/s with a do-or-die outlook on life ie. 'you do or you die'. choice of insurers avaiable with various policy standards and disclaimers. onus upon buyer to prove worthiness rather than on sky-god. representatives arbitrate on disputes but no findings ever in favour of claimants thusfar.