Hiya!
He said "No my character doesn't believe in the gods". I explained that without a faith of any kind a divine Raise Dead wouldn't work on him. He replied "That's fine."
My reasoning is rejecting the gods in a world where they absolutely exist is the ultimate slap in the face. Its worse than believing in the other team, because even if you believed in some evil god like Bhaal or Malar, at least you believe in a god.
DM (Me): Do you want to try a new character, or are you cool with having your dead guy get raised?
Player Response #1): I think I'll try a new guy.
DM: Allrighty then... [player characters spend the cash to get the character raised...and nothing happens; cleric relays their religious belief of why]
Player Response #2): Yeah, I'd like to keep playing him.
DM: Allrighty then...[player characters spend the cash to get the character raised...and...he's raised. I take the now-alive PC's player in to my kids bed room and explain his 'death experience'; he died, and he knew it; he found himself in the Concordant Opposition, with other 'lost souls' who kinda just hung out, trying to find a purpose; various 'nature spirits' would talk and council with souls for a 'while'...hours, days, months, years, decades, centuries, whatever... to help a soul find a true resting place; very few actually find themselves staying here, those that do become these 'nature spirits'; Upon his first re-breath of life, he now knows, for a fact, that there is an 'afterlife' and that your ACTIONS determine where you go, but your belief in a god/dess also helps determine where your soul goes once you are dead [re: your god/desses home 'section' of the appropriate plane of existence].
The god/dess, or some higher-up angle comes to meet the character and has a chat about (whatever god/dess) and that one of his/her chosen clerics is performing a ritual to call the character back to the prime material plane...but because the character isn't a worshiper, he is offered a choice, "personally"]. It would be up to the player to decide how this affects his new-life. Maybe the PC shrugs it off and says, Whatever...gods suck. Maybe he deludes himself into thinking it was all a dream, even though he knows, deep down, it was true. Or maybe he becomes a born-again and now devoutly follows the god/dess who contacted him in the afterlife.
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This is basically how I've handled it for decades now. Any dead PC doesn't have to come back, under any circumstances. Soul's of the dead also don't have to "talk" to mortals if they don't want to...
Speak with Dead is mostly useful for finding out information from dead people who want to actually help you (or are at least not in opposition to you), but trying to use it on a recently slain bad guy to grill him about the secret lair's hiding spot for the ancient foozle of power...not likely to yield any result you can trust. (it also gives another incentive for players to try and not kill everything that moves).
^_^
Paul L. Ming