A whole-life policy designed to give the holder an eternal life after death. Most people receive an Afterlife Insurance Policy from their parents when the are very young. (I received a Roman Catholic policy when I was 6 days old.)
The terms (commandments) and conditions (sins) are well defined in the policy handbooks written millenniums ago by the Afterlife Insurance Company superstitious founders. The premiums are paid by real donations, time, useless prayers, semi-pagan rituals, sacrifice, and a complete surrender to, and fear of, a God and/or himself/son.
There are thousands of insurance agents who work here on earth for the Insurance Company selling many different policies and are found on just about every street corner. There are term-life policies for Born-Again Christians and Muslim policies that contain special clauses that include 72 virgins in the afterlife (act now - supplies are limited). If you truly believe it all, there are even special "Sarah Palin" Rapture policies that will help you skip the long lines at St. Peter's gate on Judgment Day.
If you do not own a policy, there's a chance you will burn for eternity in a lake of fire (especially those who deny God's existence). To file an insurance claim all you have to do is die. But since you're dead and there is no magical afterlife, you'll never collect on a lifetime of wasted afterlife insurance payments, to an Insurance Company that never existed. Literally, the ultimate scam of your life.