I asked you first! What does Romans 6:23 say is the wages of sin?
John 5:24 says "Truly, truly, I say to you, whoever hears my word and believes him who sent me has eternal life. He does not come into judgment, but has passed from death to life."
Yes, this is what I believe. At the judgment, they pass from death to life and have eternal life. Those who reject him come into judgment and go to the second death. Obviously unbelievers do not pass from death to life, only believers.
2 Corinthians 5:8 says "So we are always of good courage. We know that while we are at home in the body we are away from the Lord,"
In 2 Corinthians 5, Paul is talking about the resurrection. This doesn't say that we are instantly with the Lord when we die. If we were, why would he return to resurrect us?