Cryptic crossword clue
If ref late – unfortunately getting hell? 5-4

The most common and most likely answer to this crossword clue is the 10 letter word AFTER-LIFE

I've seen this crossword clue in Financial Times
A
F
T
E
R
-
L
I
F
E

Buddy explains!

The straight part
We know that "hell?" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case hell? = after-life.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does AFTER-LIFE mean?

AFTER-LIFE noun
  1. Life after death.
  2. The place believed to be inhabited by deceased people.

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