Think of the alternative. And we could own virtually nothing and scarcely make any responsible decisions. Our limited perspective would be enlarged if we could witness the reunion on the other side of the veil, when doors of death open to those returning home. But there is another type of separation known in scripture as spiritual death. Thus, one can be very much alive physically but dead spiritually.
Spiritual death is more likely when goals are unbalanced toward things physical.
If physical death should strike before moral wrongs have been made right, opportunity for repentance will have been forfeited. Even the Savior cannot save us in our sins. He will redeem us from our sins, but only upon condition of our repentance. We are responsible for our own spiritual survival or death. Coping with Trials Physical and spiritual trials provide continuing challenges in life.