@Doug Brents
It is the point at which salvation is received.
Practically,
yes........... saved from
sin and condemnation absoultely
no way, that's another gospel pure and simple. Only the life and death of Jesus Christ
secured eternal life for God's elect~a life that
was promised before the world begun ~ and Christ sent into the world to secure this life for God's elect.
Titus 1:2
“In hope of eternal life, which God, that cannot lie,
promised before the world began;”
Which means before we had done any good or evil!
Romans 9:11
“(For
the children being n
ot yet born, neither having done any good or evil, that the purpose of God
according to election might stand, not of works, but of him that calleth

”
2nd Timothy 1:9
“Who hath saved us, and called
us with an holy calling,
not according to our works, but
according to his own purpose and grace, which was given us in Christ Jesus
before the world began,”
Jesus Christ did not come into this world as a private person, but as the Head of the elect of God and we members of that
chosen body, and all he did was imputed to us as though we did what he did perfectly.
Isaiah 42:1
“Behold my servant, whom I uphold; mine elect,
in whom my soul delighteth; I have put my spirit upon him: he shall bring forth judgment to the Gentiles.”
Psalms 139:16
“Thine eyes did see my substance, yet being unperfect; and
in thy book all my members were written,
which in continuance were fashioned, when
as yet there was none of them.”
Ephesians 1:4
“According as
he hath chosen us in him before the foundation of the world, that we should be holy and without blame before him in love:”
Ephesians 2:5
“Even when we were dead in sins, hath quickened
us together with Christ, (by grace ye are saved

And
hath raised us up together, and made
us sit together in heavenly
places in Christ Jesus:”
God has
never viewed his elect outside of Jesus Christ
eternally and legally speaking!
You folks who hold to a work gospel may one day be very disappointed, but that's not for me to say who that may be, those are only known to God.