Are they saved if they don’t believe in the term saved? For them salvation is an analog function on which one never knows where he stands. They consider it a sin to consider yourself saved from Hell and secure in faith in the Lord Jesus Christ.
Not sure about Catholics, but I consider it arrogant to assume what my disposition is the next life is. The entire theology of 'once saved, always saved' assumes you know every obstacle you will face in your lifetime. Total lack of humility.