It's very simple actually.
You spend 9 months in a womb and you have no recollection. You can be in a coma for 3 years and it feels like a short nap.
If your brain is not working, you cannot experience the time passing by. It's just black emptiness. You don't care that you are dead, because you physically can't. You're not angry, happy, scared..etc
Your body stays where it is. That is your physical appearance, and it will be discarded however you or your family chooses.
Your brain stops functioning when you die. Your personality, your feelings, your ability to touch, see, and feel... all begin to deteriorate rapidly. If there was such a thing as hell, you wouldn't even know you were there.
The human brain is one amazing fucking beast.