I agree with the answer Paul and those with him gave to the following question:
"And brought them out, and said, Sirs, what must I do to be saved? And they said, Believe on the Lord Jesus Christ, and thou shalt be saved, and thy house" (Acts 16:30-31).
A person is saved the moment when they believe, as witnessed the following words of the Lord Jesus:
"Very truly I tell you, whoever hears my word and believes him who sent me has eternal life and will not be judged but has crossed over from death to life" (Jn.5:24).
In this verse the Greek word translated "believes" and the Greek word translated "has" are both in the "present" tense.
In
The Blue Letter Bible we read the following meaning of the present tense:
"The present tense represents a simple statement of fact or reality viewed as occurring in actual time. In most cases this corresponds directly with the English present tense."
Therefore, John 5:24 is saying that those who were believing at the time the Lord Jesus spoke those words had already received eternal life. That is what is meant as something being
"viewed as occurring in actual time."
So once a person believes he receives eternal life. Anything which happens to anyone after he believes cannot contribute in any way to that person's receiving eternal life.