That's just Pascals wager. There is no way to conclude which God/insurance agency is real or a scam. Pascal's wager only makes sense if you consider your time or intellectual integrity worthless, it is a massive presumption, a selling of one's finite time and more importantly one's intellectual integrity; with a tiny-infinitesimal statistical chance of randomly picking the right God or religion. Throwing away a good portion of the two most valuable things a human can possess for something as petty as insurance.
If there is a God and he is good; he will reward those who have lived good lives. If God is not good he will punish people based on some other random arbitrary reason, and therefore was never worth worshiping. The gamble with your intellectual integrity and incredibly valuable time is not necessary.