No, that is incorrect reckoning.... Because God makes it abundantly clear that believers' TODAY at present time KNOW and have complete assurance regarding our final destination: For in God's Word the Bible HE declares that a believer already has been saved from the curse of the Law (Galatians 3:13), from wrath (I Th. 5:9), from death (see II Corinthians 1:10), and from destruction (II Thessalonians 1:9). A sinner who trusts in Christ becomes: a son of God (Romans 8:14-15), a child of God (John 1:12-13), regenerated from sin (Titus 3:5), a new creature (II Corinthians 5:17), a heavenly citizen (Philippians 3:20), an heir to God's grace and inheritance (Romans 5:2; Ephesians 1:18), and is declared complete in Christ (Colossians 2:9-10).
What Scripture did you not understand from Galatians 3:13, 1 Thessalonians 5:9, II Thessalonians 1:9, II Corinthians 1:10, Romans 8:14-15), John 1:12-13, Titus 3:5, II Corinthians 5:17, Philippians 3:20, Romans 5:2; Ephesians 1:18, Colossians 2:9-10?
For all of these Scriptures declare our present tense position and status In Christ. I have all these blessings which God has given to me NOW. I know my eternal salvation and security is absolutely assured today even before I die in my physical body. Below are some of the blessing I possess right now! Since I have these now, it is impossible for me to lose my salvation, for my life is in the hands of God and Christ and the Holy Spirit.
But what about Matthew 24:13, Romans 11:22, Hebrews 10:26-29 and especially Peter 2:20–21?