We don't die. Our bodies die. We remain - that is our consciousness continues, only - for a while - we no longer have the physical body to identify with and play around in. We realise when we "die", if not before, that we are not these bodies but eternal beings of love and light who can play many games in many types of bodies in many universes. When bodiless, we can review all of our life experiences, and understand them, and accordingly choose what our next incarnation will be.

That is how it functions in my cosmos, anyway!