We are saved NOW. The finish of the redemption it yet to happen when we die, but it is guaranteed by the sealing of the Holy Spirit of believers.
Ephesians 4:30 And do not grieve the Holy Spirit of God, by whom you were sealed for the day of redemption.
MM, you are exaggerating the meaning of that passage.
Paul, above all of the apostles, makes it plain that salvation is only at the last trump.
Your idea would have Paul contradicting himself.