In your Sacred Contract is an agreement to go Home at death, through the Tunnel of White Light, to "Heaven," a real place in what shamanism calls the Upper World. If you indeed choose at death to go Home, then your pure Soul essence, or Spirit, will leave your dead body and the entire dimension of Earth and go back Home. Your emotional body is parked on this side in the middle world until you come back from the Other Side, sort of like checking your hat or coat into a coat check before entering a fancy temple. (later, when you leave Home to go visit relatives on Earth after your death, you will pick up your emotional body while visiting and be surpervised by Angels during your away time from Home.)
That after-death scenario is typical.
However, due to free will, a Soul can choose a number of other options at death. One is to go to hell, or the underworld, a place that is real, with demons and Lucifer and all kinds of nasty creatures. This is a real dimension, with many Souls mired there. I myself traveled as a pure Soul to this world during shaman training. You can choose to go there at death, or even, later, to leave and go Home.
Another is to stay on this side, the Earth side, as a ghost or Lost Soul, with your emotional body still attached to your Soul, but with most of your other bodies dead, including the physical one. This combo fools many Souls into thinking that they are still alive, as they can still feel and think. Memories are stored in the emotional body. Full access to your emotional body will free even memories of your past lives.
Another choice is to go to what my shaman teacher, Bonnie Serratore, describes as the Dead Zone. She will sometimes take a whole shaman class out of their bodies to travel to this place which exists in the middle world with Earth. One student even found a Soul parked there that was a friend who had passed.
What cannot happen is to find 72 virgins waiting for you after death. On the Other Side, there are no physical bodies, no emotions and no sex. Just pure Souls comprised of pure energy, all living in harmony and community. Souls that can take on a bodily appearance, but are pure energy. I have traveled to the Other Side as well, or what is known as Heaven, and it really exists. God lives here, and many Heavenly creatures.
On this side, or in the middle world of Earth, a dead "person" could potentially acquire 72 ghosts claiming to be virgins and still have sex over and over. But they would all still have free will to resist sex and make independent choices, just as they would when in a human body. You would have better luck on this side finding 72 virgins, than as a ghost.
Typically, the Soul instantly enters the sacred Tunnel and is greeted by whomever they would want to see. This may be Jesus, their dead relatives, Buddha, Muhammad, a Godmother, etc. Even dead pets may show up to greet you. And there is the review of your actions during your life in a human body, and how your actions affected all humans around you. Even Hitler went back to Heaven. That is normal for all Souls. That is in your Sacred Contract. But you can always change the plan and go commando and exert your free will.