The determination for one’s fate in eternity rests on a decision –
to accept or reject Christ’s death on the cross as the payment for one’s sins.
Acceptance secures your relationship with Christ with eternal
indebtedness to Him for His sacrifice.
Denial admits self-reliance and stubbornness.
According to the story of Lazarus the beggar and the rich man, the
beggar died and went immediately to “Abraham’s side.” The rich man also died and it appears he went
immediately to what the Bible calls hell.
Since there is no purgatory or place of redemption where one can
rethink their decisions, then yes, you will immediately go to a spiritual
heaven or hell, awaiting the final resurrection where, the book of Revelation
states, people will transfer to a physical heaven or hell.