My opinion is a "bit" more pessimistic (but maybe also more realistic?)

Just before the moment of death, there might be a short life review. All right, I can accept this (as it was reported by people being nearly dead).
If your death is a very fast one, like dying in an explosion, this review doesn't happen. Simply because the human brain cannot act that fast.

After your brain is completely dead/destroyed, absolutely nothing happens.
Our so called "spirit", in my opinion only the definition of the great neuron complex between our ears, just doesn't exist anymore. There is no heaven and no hell where it can 'fly' to.
The body cannot work without the brain, means it is taken to the graveyard and turns to earth.

Sure, I do not have any prove of that but noone has. It is only my own opinion.

Regards
Sinthoras