Dear Smarty Pants,
Since you do not believe in immortal souls or any intermediate state, how do you explain visions people have concerning the afterlife and their loved ones.
A. I don't even try. This is a very personal matter.
But since you mentioned visions, there may be an answer in Matthew 17:3-9. Moses and Elias are seen talking with Jesus, though both were dead. This was a vision of the coming kingdom, as Jesus explains in verse 9. Jesus charged them, saying, Tell the vision to no man, until the Son of man be risen again from the dead.
This was not a vision of the present, but of the future. If God, in His mercy, can show us Moses and Elias, then He can show us our dead or heaven if He chooses. It is between Him and those having the visions.