1. Your body rots in the ground
2. Your brain rots in the ground
3. WTF happens to your conscious?
Seeing as it's hard to define "life" in the first place I don't even want to try defining "consciousness". I know I have one, you don't know for sure that I have one and I don't know for sure that you have one.
I don't believe any of the religions have it right.
I don't believe any of them will ever have it right.
I don't believe science will ever explain a consciousness.
I believe science can explain nearly everything else.
When I fall asleep it's sorta like my conscious skips ahead in time. It's impossible to imagine what would happen when you fall asleep for good (die). It seems fairly obvious to me that my conscious is attached to my physical brain. So when that goes away what does the conscious do? One possibility is that it detaches itself from the body and finds a new physical object to attach to. A new baby, an alien on a distant planet, a computer, a robot. Sounds a bit like reincarnation. Although it's entirely possible there's a separate realm of existence for consciousnesses. Who knows it's pointless to think about while we're here.
Atheism falls apart when you try to figure out what a conscious is.
Religion falls apart when it tries to explain anything with certainty.
Therefore, I consider myself unaffiliated. I don't know if there's a higher being or not. I don't know how to explain a consciousness. I don't care, I'm enjoying my time here on Earth so why bother thinking about what happens after death?
The flaw in any organized school of thought is that it states its beliefs as fact. You can't prove anything so both extremes (atheist, religious) are WRONG. Well I can't say that for sure, they COULD be right, after all.
But I don't care. The universe is a wonderful place, enjoy it while you're here.