When you die you go to a garage in North Dakota where you will be be joined by all of the people you really didn't care for who have passed. You got the part about religion right.

There's no such thing as religion or some god in the sky who judges you. But there's also no such thing as you. At least not as you (most) believe. You are NOT just part and product of this body as many wish to claim. You are simply the awareness sensing events within it. This body will die but you will go on. Just as you have always gone on. YOU were never born. This body was, but not you. You are infinite, pure knowledge, and bliss. That is the natural state of awareness and awareness is you.

When you die and the oxygen leaves your brain, that's it. It's over. Fade to black. People in your life who have passed away, loved ones or not, you'll never see them again. They exist only as a memory. The reason religion makes so much money is because it tells people what they want to hear with regards to mortality.