So, if you live your life, everyday, purposefully in sin, hurting as many people as you possibly can along the way, as long as you say, "God forgive me" seconds before you die you won't be sent to hell but if you lose your vocal cords and can't say, "God forgive me" you'll burn?
My ex-mother-in-law believed that. She purposefully hurt a LOT of people. So did my mother for that matter. They both died fearing hell even though they repented.
I'm not arguing and I'm trying not to be condescending so I hope I'm not offending you. I, personally, don't believe in hell at all.