Wow, baby duck,
Neat question!

I'm going to guess that there's some form of a loved one there to contact, minus the times they are doing their other soul-stuff, at least as long as their generation of friends and family were still on earth. But they have stages to go through that may cause them to lose some of what we remember of their last reincarnation. By the time we get there, they might have sent off a new version, but their true soul will remain. We'll be happy to see this basic soul when we get there, however, as our egos won't be involved; any love we have with them will be more of the spirit--? It'll be like they were characters in a play that we loved, and now we're seeing the true person who acted out that part.

There are stories of Jesus merging with his Other Self when he was young. So I'm assuming that that big union comes during one's last incarnation on earth.
Then there's the reunion/merging with all the Disk/ greater soul family members, as I understand it, after we return and also when the Disk is finishing up.
I'm looking forward to some hugs that are all-enfolding, with a love-energy so fine and pure that just an embrace merges the souls embracing. 

Hey, I may not be right, but it sure is fun to think about. Thank you for the question!

bets

Baby Duck

Michael Newton explains this very well in his book "Destiny of Souls" page 116 - Soul Division and Renunification.

If you'd like me to type out some bits of it you can send me a PM.

Love
Irene

Yes, in C1 and beyond.

Love, Mairlyn