Answer: We should keep in mind that salvation is strictly by grace alone through faith alone in the Messiah alone. Just as you cannot be saved by works, you cannot lose your salvation by works either. If it is possible to lose salvation on the basis of works, then salvation was on the basis of works to begin with, which contradicts all Scripture.
Upon salvation, one is regenerated. This means the believer receives eternal life at the moment he comes to faith. The Bible does not teach that we receive eternal life once we die as believers, but we already have eternal life the moment we believe. If it is possible to lose salvation, it was not eternal to begin with. The fact is there is nothing a person can do that would cause him to lose his salvation any more than there is nothing he can do that will cause him to earn salvation.
For details on this, see MBS 102 ‘Eternal Security,’ available from Ariel Ministries.
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Arnold Answers is a bi-weekly Q & A with founder and director of Ariel Ministries, Dr. Arnold G. Fruchtenbaum.