I have a real problem with the idea of hell. How can a "loving" God sentence someone to ETERNAL TORTURE?! Sounds mean-spirited to me, not loving at all.
Now, there are some evil people in the world, but if I had the powers of God, I wouldn't even sentence the worst of the worst to eternal torture. I'd just let them die and that would be the end of it.
I'm unsure about heaven though. I do think it would be nice to have something good in the afterlife for those people who are good people in life. However, I don't think that heaven should be reserved ONLY for people who follow ONE religion. There are good people in all religions, and there are good people who follow no religion. Just as there are evil people in all religions, and evil people who follow no religion.