The best thing that can ever happen to a person is to almost die. Reason for saying this, when you are at the point that you realize that it is the end you do a "stock take" of your life and the most important things in your life is prioritized, funny enough no work, no finance issues or anything else is important but your family.

If you get to that point you realize the importance of your direct family and the fact that you can improve your relationships with them. Once you are at peace internally and you know what you know, I think you can cross over.

We need to realize that the soul gets trapped in the body, and it is a sad situation. That is why they say you should cry when someone is born (the soul gets trapped) and be happy when someone pass on (the spirit returns from where it comes from)

Just my thoughts