How can a believer possibly be “saved” before he is judged by Christ, which takes place only after death? Think about it - it ain’t rocket science.
Any verse what appears to say we are saved before Judgement Day shouldn’t be read literally, but in the sense that a believer on the road to being saved. Consider this verse: Jesus said
“anyone who eats my flesh and drinks my blood has eternal life, and I will raise him up at the last day” (John 6).
In this verse, the words, “has eternal life”, doesn’t refer to NOW, because we will all die; rather, it refers to a FUTURE EVENT, when Jesus raises the believer up to eternal life when He comes again. In the same way, if a verse says, “you are saved”, it doesn’t mean we are saved NOW; rather, it refers to a FUTURE EVENT.
And think about this: Go on online-atheist forums and you will find thousands of formerly “saved” Christians who are now atheists - are they still saved? Of course not.
I know a fellow called Danny who experienced a conversion twenty years ago and went around telling everyone he was “saved” (he even got himself a couple of Christian tattoos), but these days, Danny is an atheist - is he still “saved”? Of course not.
There are several former-Christian ministers who became atheists. Are they still “saved”? Of course not.
Please explain this verse:
"I do not even judge myself. I am not aware of anything against myself, but I am not therefore acquitted. It is the Lord who judges me. Therefore do not pronounce judgement before the time, before the Lord comes, who will bring to light the things now hidden in darkness and will disclose the purposes of the heart. Then every man will receive his commendation from God." (1Cor 4:3-5).
To claim that you are already “saved” is to judge yourself, which Paul clearly condemns.