This is different person to person. Everyone is different in their lives. Each life is unique and so each experience is different.
I think there becomes a time before death when we don’t experience pain or suffering anymore. I also think our spirit separates from our physical body before we fully pass on. And I feel like and think it is very peaceful (though, not to everyone). But after, I think we go through a few processes. I think we have a waiting period – like a transitional time when our spirit is travelling from this present moment to the other side. Then I think our spirit goes into a waiting room of sorts to see if they have any other soul contracts they need to fulfill. If they don’t then their spirit roams free, if they do, then they go where they are needed next.