What does a soul look like?

While the body is physical and can be seen, the soul is immaterial and not visible.  When the apostle John relates that he “saw under the altar the souls of those who had been slain because of the word of God and the testimony they had maintained” (Revelation 6:9), we recognize the genre of Scripture and understand that John was describing what he saw through a vision that God granted him.  John thus saw what human eyes normally cannot see.

The account of the Rich Man and Lazarus that you cited definitely illustrates that death is the separation of the body and soul.  At death, the body remains on the earth, while the soul immediately goes to heaven or hell.  On the last day God will raise the dead and join bodies and souls together.  While the soul is what gives life to the body, I would not equate the soul to “a ghost-like appearance of one’s body.”

You question does lead one to ponder about eternity and to tend to the needs of our souls through faithful use of the means of grace.  May we do just that.