dying person's loved ones = dying person's already deceased loved ones...sorry
No. Not my reality.
I don't believe it's anyone's reality.
I believe it is VIRTUALLY ALWAYS (not 100%)
demonic forces impersonating relatives etc.
Demonic forces have plenty of information from living eternally past from any point in the generations before of any numbers of people involved to impersonate anyone they wish to impersonate.
People give openings to such forces in various ways or such openings have been passed down through generations through some chronic sin or other serious spiritually key issue or problem.
Thankfully, the Blood of Jesus and sufficient prayer and fasting on the part of key people--especially those gifted and experienced in dealing with such problems can usually solve such phenomena mysteries and prevent reoccurances.
This is essentially the explanation for supposed reincarnation 'proof's,' too.