The universe has to exist. If it didn't, we couldn't. It could be argued that we lkive only inside our own minds...thus making our perception of reality completly false. However, if we were in this dream-state....there would still have to be a larger place for it to exist. Or even for us to come into being, so that this mindset or dreamstate could come into being. Thus, there has to be a universe.
I have no idea what happens when a person dies, but it sure will be intersting to find out
(and disappointing if nothing happens at all)
but then again, if nothing happens at all, we won't know, and it won't be disappointing.