Every moment in life is a prayer, or could be. I think you can pray yourself into the mystery of the moment, or allow for the blessings of the moment to sustain you. Every moment is an invitation, and whatever you do in that moment, if it's dedicated to God, then it is a prayer.
At death, the soul witnesses an incredible energy release of that which was only on loan, and an even more wonderful homecoming of all that has been given you by the Creator. That which is commanded by your love is yours to hold forever. All who have shared your love will remain in union with you. That is the ultimate harvest.