What you are saying warns no one about anything but instead you spend your time perverting the Scriptures:
No, a person receives eternal life the moment when they believe, as witnessed by the following words of the Savior:
"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, at John 5:24 the Lord Jesus Christ 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. If a believer had to live a life of surrender to Him then they wouldn't receive eternal life until the end of a faitful life. But according to the Apostle John Christians already possess eternal life:
"And this is the record, that God hath given to us eternal life, and this life is in his Son" (1 Jn.5:11).
Of course you never let the facts revealed in the Bible get in the way of your foolish teaching about the meaning of the Greek word translated "to believe."