It is human life alone that mainly bonded with karma at its most. Law of karma is very simple what one sow the same one reaps with just a difference of time.
Indeed there is a world other than this same as that we experience in dream state; in dream state one experience joy and sorrow even without this body, severe pain is also experience without body in dream state is inevitable truth so is the other world.
After death conscious element remains intact as it is but without body, it is that element which experience pain and pleasure. deeds and environment really matters most in other world.
Those perform good deeds even in adverse circumstances attain wisdom of that world peace and bliss follows all along but those live a life under the influence of ignorance suffer even here after.
Better be late than never, time is there to correct self till one breathes one’s last.
May lord bless all.
Thanks please