This is just another way of saying that you don't think people (meaning you) would be moral without the threat of a bad outcome (hell, bad karma, reincarnation into suffering, etc).
Most avowed atheists would tell you that the finality of death is precisely why we have a responsibility to each other, because there's no one up above coming to fix our problems or right our wrongs. That humanity has to *be* better to become better.
Being religious doesn't intrinsically make one more or less collectivist or individualist, it all depends on the philosophy of the religion (or non-religion).