The second problem is that the insured person his life good for whatever the end, of course. I think that the first premise assumes that if a god exists he is one that will not punish the believer for his belief. The second premise needs more substantial evidence provided that there are a lot of restrictions on believers and that their belief, if they believe because of the wager, is only deceiving them. So the first premise is wrong and the second premise needs strong evidence to prove it given the amount of effort and moral differences it requires to preform religious