Thanks for your detailed reply olyris. Sounds like chakras are indeed something that we have while we are bound to physical bodies, and not after we die.

I wonder if that means Kundalini can't be raised after we die because we don't have chakras?, or can kundalini energy exist separately to chakras?

I have never heard of creating a dream body. I am not sure what that is or how it would be used, but it does sound interesting.