What actually happens after death?

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Benjamin Franklin wrote, "In this world nothing can be said to be certain, except death and the taxes." I know very well that death is the ultimate phenomena, but I want to know what actually happens after "physical" death. Has anybody heard or felt any such experience? Do "angels", "Heaven" and "hell" really exist? My mind is at unrest, a lot of commotion seems around me. I need answers. Please share your opinion.....