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What will happen if you die and you haven’t asked for forgiveness for your past sins?

“All the prophets testify about him that everyone who believes in him receives forgiveness of sins through his name.” Acts 10:43

There is a difference between asking for eternal forgiveness (accepting Christ’s sacrifice for the payment of all your sins past-present-future) and seeking daily forgiveness (routine assessment of your failures and admitting them before God). If you accept Christ’s sacrifice for your sins, then all your sins are forgiven; however, daily you should routinely come to God, humbly confessing and asking for forgiveness.

Even though your destination is secure in that case, every day you need to make personal course adjustments.  We all stray and wander off course and daily forgiveness keeps us focused on God’s righteousness.

So if you are a follower of Christ and you die, don’t worry, you are forgiven of all your sins.  A believer does not need to quickly ask for forgiveness seconds before death so he or she can "get in." 

All your sins are covered by Christ's death on the cross.  Now that you’re forgiven, your relationship with God is the guarantee of life eternal with God.

However, if you are not a Christian and have not asked for forgiveness for your sins then you are saying that you don’t need forgiveness. If you don’t need forgiveness, then you are saying you don’t need Christ. If you don’t need Christ, then, when you die, you will go to place where you won’t ever see Christ. 

Not a comforting thought.

If you're not a Christian and about to die, then yes, ask God for forgiveness and accept Christ as your savior.  No need to detail each and every sin.  It's not a test to see if you know all your sins.  God knows them.  Just admit "I'm a sinner." 

There's nothing in the Bible about a priest or pastor praying for you for forgiveness in the Bible.  You can do that on your own.

Hopefully you have time to receive Christ, but not everyone has that kind of an advantage. 

It's best to do that now so you can face death in the future with confidence.