I would agree. See we have a obligation "to do" and then we are judged unto to INHERIT eternal life. You MAYBE in covenant and have received a saving aspect in your life but you have not obtained yet "fully" that which you seek. You will be judged in the end worthy or not to receive. Either you fulfilled the contract or not to follow him as you should.
Will you be worthy?
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Hebrews 13:23 Know ye that our brother Timothy is set at liberty