In Luke 16, Jesus told to his disciples the parable of the rich man and Lazarus. Both men died. Lazarus who used to be poor was carried away to the bosom of Abraham. As the rich man was suffering torment in the netherworld, he saw Abraham far off with Lazarus at his side. He cried out to Abraham for help, but Abraham replied, "My child, remember that you received what was good during your lifetime while Lazarus likewise received what was bad; but now he is comforted here, whereas you are tormented. Moreover, between us and you a great chasm is established to prevent anyone from crossing who might wish to go from our side to yours or from your side to ours."
Let's look at the message of this parable. What we receive in this life is nothing compared to what we shall receive after we die. We want to make sure that we receive the good later, not now. The separation between heaven and hell cannot possibly be greater. There is no crossing from either side to the other and the separation is for all eternity! Do not be so concerned about health insurance, life insurance, financial security, your burial plot and all that, but believe in and love the Lord Jesus to get you eternal future settled now. This is absolutely the best advice you can possibly get from anyone.