All who dies want to go to heaven

Without question, that is a given

Believing in God may not be enough

If Black folk needs insurance and stuff

All premiums will be based on race

just like living on earth that's in place.

will be determined by one’s credit score,

to get into heaven we'd still pay more.

Asians and Caucasians, to pay a lower rate

Africans and Latinos won't get a break.

St Peter the gatekeeper, if it was up to him,

Everyone deserving could waltz on in.

Some insurance companies actuaries,

lobbied God for rates that varies

Europeans, with low or no credit score

there's no reason to charge them more.

There's a bigger risk in certain neighborhoods

It was a point they made real good.

We all know heaven is free of crime

yet, some insisted, just a matter of time.

Some of us know that's nothing new,

here on earth, heard the same excuse too.

Lucifer said my problems is real minor

it's either go to hell, or a White cosigner

Good luck with that, he said walking away,

then uttered, I'll still have the devil to pay

since my rates are still gonna be higher

because I have to include, who ever as a rider.