Chapter 33

Objections from Catholic, Reformed, and Evangelical Traditions

Testing the Thesis across the Christian Family

Full-Length Edition

I want to be honest about what this chapter is. It is not a courtroom defense. I am not standing behind a podium with my arms crossed, waiting to swat down every critic. I am sitting at a table with brothers and sisters. They read the same Bible I do. They worship the same Christ. They care about the truth as deeply as I do. And they have real concerns about the view I have been building.

Some of those concerns have kept me up at night, too.

The moment-of-death encounter view will raise objections from every branch of the Christian family. Catholics will ask whether I have quietly replaced purgatory. Reformed believers will want to know what happened to the doctrine of election. Evangelicals will reach for Hebrews 9:27. Orthodox Christians will nod at parts and frown at others. Mainline Protestants will wonder whether I have gone too far or not far enough.

Good. If this view is true, it should stand up to serious testing from people who know their theology. And if it is wrong, I want to be the first to know.

So this chapter takes the strongest objections from five traditions. I state each one as fairly as I can. Then I offer an honest reply. I do not pretend to have the last word. What I offer is a contribution to a conversation that has been going on for two thousand years and will continue long after this book is forgotten.

Key Argument — A Testable Contribution. This book is offered as a contribution to ongoing Christian conversation, not as a finished doctrine. It invites testing from every tradition. The author writes within the broader Christian family and holds that each tradition has serious theological reasons for its caution.

I. The Catholic Conversation

Of all the traditions this book engages, Roman Catholicism may have the most natural sympathy with its central claim. After all, a Jesuit wrote the first modern version of it. Ladislaus Boros proposed in 1959 that the moment of death is the occasion of a fully conscious, fully free decision for or against God.1 He stood within the Catholic tradition when he said it. He remained a Catholic thinker even after he was laicized in 1973. His work was discussed by Rahner, engaged by Ratzinger, and debated by a generation of Catholic theologians. The moment-of-death encounter is not a Protestant invention imposed on Catholic soil. Its roots are already there.

But sympathy is not agreement. Catholic theology has three specific concerns about this book. Each one deserves a careful answer.

Objection 1: "You Have Replaced Purgatory."

The charge goes like this. The Catholic Church teaches that many souls undergo a process of purification after death before entering the full presence of God. The Catechism of the Catholic Church puts it plainly: those who die in God's grace but are "still imperfectly purified" undergo a final cleansing so they may enter heaven.2 The councils of Florence and Trent defined purgatory as official teaching.3 This book appears to collapse that whole process into a single moment. Does it not, in practice, dismantle a doctrine the church has taught for centuries?

Common Objection — "You have replaced purgatory." Catholic critics may argue that locating purification within the encounter dismantles a doctrine the church has taught for centuries. The reply: this book honors the Catholic concern for real purification. It locates that purification differently but does not deny its reality.

My answer begins with agreement. Real purification matters. The soul that has spent a lifetime in self-serving patterns does not waltz into the presence of perfect love as if nothing needs to change. The life review described in Chapter 11 is precisely that purification. The dying person sees every harm. They feel every wound from the inside. They stand exposed before the light of Christ. That is not a polite welcome. It is a fire.

The difference is where the fire burns and how long it takes.

Traditional purgatory has often been imagined as a long period of suffering in a separate place. The popular picture involves years, decades, even centuries of purifying pain. But careful Catholic thinkers have moved away from that picture. Joseph Ratzinger, in his Eschatology, argued that the encounter with Christ after death is itself the purifying fire.4 The Congregation for the Doctrine of the Faith said in 1979 that the church's teaching on purgatory does not require any particular imagery about how the purification works.5 The church teaches that purification happens. It has not dogmatically specified what it looks like or how long it lasts.

Jerry Walls, a Protestant philosopher who wrote an entire book on purgatory, noted something striking. If purgatory is understood only as the instant of purification that occurs when the soul leaves the body, most Protestants would find nothing to argue with.6 Even Charles Hodge, no friend of Catholic theology, defended this idea. He pointed to Paul's conversion on the Damascus road and asked: is it so strange to think that souls could be purified in a moment by the brightness of Christ's glory?7

Boros himself landed here. His account of what happens at the moment of death is not a centuries-long waiting room. It is a single, intense, fully personal encounter. He said that the purification "would not last a definite time" but would be "effected in a present not subject to the temporal extension of our duration."8 He was a Catholic when he wrote those words. His view fits within the breadth of Catholic thought, even if it does not fit the popular imagination.

There is something else worth saying here. Walls showed that Catholic thinkers have held very different views of what purgatory actually involves. Some hold the "satisfaction model," in which the soul pays a debt of punishment owed to God's justice. Others hold the "sanctification model," in which the soul undergoes genuine moral change. Calvin attacked the satisfaction model with everything he had. He called purgatory "a deadly fiction of Satan, which nullifies the cross of Christ."58 But Calvin was attacking the idea that the soul must pay a debt after death. He was not attacking the idea that the soul might be changed by Christ's presence at the threshold. Those are two very different pictures.

The sanctification model fits well with what this book describes. The life review is not a payment. It is a seeing. The soul sees its own truth in the light of God's love. The pain is real, but it is the pain of recognition, not the pain of penalty. And the love of Christ makes the pain bearable for those who submit. That is purification. And it happens at the threshold.

Walls pressed one more point that matters. If God can purify a soul instantly through His own glory, as Hodge suggested, then what is the reason for a long process?59 The strongest answer is that freely cooperating in one's own transformation is part of what makes the change real. I agree. But freely cooperating does not require centuries. It requires a genuine meeting, a genuine seeing, and a genuine response. That is what the encounter provides.

So my reply to the Catholic critic is this: I have not replaced purgatory. I have located the purification that purgatory aims at within the encounter that actually happens. The fire is real. The cleansing is real. The love that drives it is real. What changes is the setting and the length.

Objection 2: "You Bypass the Church."

This is a serious Catholic concern. In Catholic theology, the church is not just a helpful organization. It is the Body of Christ. It is the ordinary means of grace. It is the sacramental community through which God saves.9 The Second Vatican Council's Lumen Gentium teaches that the church is "necessary for salvation."10 If every dying person meets Christ directly at the threshold, does the church become optional?

No. And the reason is simple. The church remains the primary means by which God forms souls for their encounter with Christ. Think of it this way. Baptism, the Eucharist, preaching, confession, spiritual direction, the fellowship of believers: these are the normal way God prepares people for the meeting that waits at the end of every life. The moment-of-death encounter does not replace the church any more than a hospital's emergency room replaces a lifetime of good health care. The encounter is God's provision for those who, through no fault of their own, never had access to the church's ministry.

The Buddhist monk in twelfth-century Japan. The pre-contact hunter in the Amazon. The Egyptian grandmother who never heard the name of Jesus. For them, the encounter is not a second chance after refusing a first. It is the first real chance they have ever had. For those who grew up within the church, the encounter is something else entirely: it is the completion of the church's work. The believer who has walked with Christ for sixty years meets Christ at the threshold with joy. All the church's formation made that joyful meeting possible.11

Even Lumen Gentium itself acknowledged this. In the same document that calls the church necessary for salvation, it adds that those who through no fault of their own do not know the Gospel can still reach salvation.12 The Catholic tradition already recognizes that God's saving work extends beyond the visible boundaries of the church. This book proposes one account of how that extension happens.

Objection 3: "You Conflict with the Particular Judgment."

Catholic teaching holds that each soul faces a "particular judgment" at death, distinct from the general judgment at the end of history. The Catechism says plainly: "Each man receives his eternal retribution in his immortal soul at the very moment of his death, in a particular judgment that refers his life to Christ."13

But look at what I have just described. In the moment-of-death encounter, the soul stands before the risen Christ. Its entire life is reviewed. Its response to Christ determines its destination. That is the particular judgment. The substance of what the Catholic tradition means by the particular judgment is precisely what this book describes.

The difference is one of emphasis, not substance. The Catholic tradition has tended to frame this event in legal terms: a verdict is rendered. This book frames it in relational terms: a meeting takes place, and the soul responds. But a verdict and a response that settles destiny are not far apart. The event itself is the same.14

Thomas Aquinas provided the philosophical backbone for the Catholic view. He argued that there is something immanent in the human person that settles the manner of entry into finality. When the soul is separated from the body, its moral weight carries it to its destination the way gravity carries a stone to the ground.60 Cajetan, his greatest commentator, took this a step further. He transferred the decisive act of the soul to the moment of death itself, the final instant of earthly life. The soul's act of perfect charity or perfect refusal happens within the dying. Boros saw in Cajetan the first sketch of what he would later call the final decision hypothesis.61

In other words, the Catholic tradition already contains the seeds of what this book describes. The encounter model does not replace the particular judgment. It fills the particular judgment with personal presence. Instead of a courtroom scene, it offers a face-to-face meeting. The verdict is real, but it is reached through encounter, not through a sentence read from a ledger.

I suspect many Catholic readers will find the moment-of-death encounter model not threatening but familiar. It is what their tradition has always taught, with the emphasis turned up on freedom, love, and personal encounter.

II. The Reformed Conversation

If the Catholic conversation begins with sympathy, the Reformed conversation begins with suspicion. Reformed theology has taken a hard line against anything that looks like a "second chance" after death. The reasons are not arbitrary. They grow from deep convictions about the sovereignty of God, the sufficiency of Christ's work, and the reality of divine election.15

I take those convictions seriously. I grew up in a tradition shaped by them. And I think the Reformed concerns, fairly stated, can be fairly answered.

Objection 1: "You Weaken the Perseverance of the Saints."

Reformed theology teaches that those whom God has truly saved will persevere to the end. They will not fall away for good. Their salvation is held in place by God's sovereign keeping power. This is the "P" in TULIP, grounded in the Canons of Dort and defended by theologians from Berkhof to Bavinck.16 Does the moment-of-death encounter threaten this?

Not at all. For the believer who has walked with Christ through a whole life, the encounter at the threshold is not a crisis. It is a homecoming. The saint who has persevered meets Christ with a heart already formed by decades of love, struggle, obedience, and grace. The encounter is the completion of that walk, not a test that might overturn it.

Think of a long marriage. After fifty years, you know your spouse. You have fought and forgiven and grown and held on. When you see them at the end of a long day, it is not a test of whether the marriage is real. It is the natural close of something that was real all along. That is what the encounter means for the persevering saint.17

Perseverance is honored. The encounter is its crown.

There is a deeper point here that is worth making. Calvin himself acknowledged that the experience of salvation can be difficult to distinguish from the inside. He wrote that "the reprobate are sometimes affected by almost the same feeling as the elect, so that even in their own judgment they do not in any way differ from the elect."62 Zachary Manis has pressed this observation hard. If the inner experience of the reprobate can be indistinguishable from that of the elect, then no inner state serves as a reliable sign of election. The assurance problem in strict Calvinism is real.63

The moment-of-death encounter offers something different. It does not ground assurance in the impossible task of reading one's own election from the inside. It grounds assurance in the character of the Christ who meets the dying. The persevering saint meets a Savior she already knows. And the doubting believer, who could never be sure whether his inner states were genuine or counterfeit, meets the One whose love settles the question once and for all. That is better ground for assurance than any inward sign.

Objection 2: "You Conflict with the Doctrine of Election."

This is harder. Reformed theology, following Calvin and the Canons of Dort, teaches that God has chosen a specific people for salvation from before the foundation of the world. The Canons say that God chose "a certain number of particular persons" for salvation "by a most gracious and just election."18 Salvation is not finally contingent on a person's response. It is grounded in God's eternal decree.

I will be honest. The moment-of-death encounter model fits more naturally within Arminian and Wesleyan frameworks. The model was built on the assumption that the encounter involves a genuine, free, uncoerced response.19 That is the language of libertarian freedom, not the language of irresistible grace.

But the model is not impossible within a Reformed framework. Consider one option. The encounter could be the point at which God's election is enacted. On this reading, the elect are those whom God's sovereign pursuit reaches at the threshold. The encounter becomes the moment when effectual calling does its final work.20 God ensures that His elect respond. The freedom is real (even Calvinists affirm compatibilist freedom), and the outcome is certain. The encounter does not challenge election. It is where election arrives.

I do not insist on this reading. I am Arminian in my own convictions. But I want Reformed readers to know the model can be fitted to their framework. The central thesis is that every dying person meets Christ. How the outcome of that meeting relates to the eternal decree is a question Reformed and Arminian readers will answer differently. Both can hold the thesis itself.

Berkhof, one of the most careful Reformed systematicians of the twentieth century, acknowledged that even within infralapsarianism there are questions that resist tidy answers. He admitted that the infralapsarian view "cannot give a specific answer to the question why God decreed to create the world and to permit the fall."64 If the Reformed tradition itself confesses mystery at the heart of the decree, there is room within that mystery for the encounter. God's sovereign purposes may include a final meeting with every soul. The encounter does not compete with the decree. It may be one of the decree's instruments.

Herman Bavinck, the great Dutch Reformed dogmatician, held firmly to sovereign election but also insisted that the love of God must be understood as genuine and universal in some meaningful sense. The tension between God's universal love and particular election has never been fully resolved within the Reformed tradition. The encounter model does not resolve it either. But it gives the universal love of God a concrete expression at the boundary of life, and it does so without denying that God's electing purposes stand.

Note — Election and the Encounter. The moment-of-death encounter model does not require Arminianism. Reformed readers can read the encounter as the point at which God's electing purpose reaches its target. The thesis is about the mechanism of the meeting, not its relation to the eternal decree.

Objection 3: "This Is a Second Chance."

This is the objection I hear most often from Reformed friends. It deserves the most careful answer I can give.

The phrase "second chance" carries enormous weight. It implies that God has already offered salvation, that the person has freely said no, and that God then offers it again. If that is what the encounter involves, the objection would be powerful. As Jonathan Kvanvig has argued, if a second chance is deserved, why not a third? And then a fourth? The logic slides toward an infinite chain of do-overs, which makes the whole concept collapse.21

But that is not what I am proposing.

James Beilby put the point with force. If postmortem opportunity amounts to a genuine second chance for those who had a clear first chance, then it should be thrown out. There is no second chance. But what Beilby showed is that the unevangelized never had a real first chance. For them, the encounter is not a second opportunity. It is "the universality of a first chance," in the words of Donald Bloesch: an opportunity for salvation for those who have never heard the gospel in its fullness.22

Think about the people this book addresses. The unevangelized never heard the gospel at all (see Chapter 32). The pseudoevangelized heard a version so twisted that it was not the gospel. Babies never had the ability to respond (see Chapter 30). The mentally handicapped never had the cognitive capacity (see Chapter 31). For all of these, the encounter is the only real chance they have ever had.

And the encounter occurs at the moment of death. Not after death. This matters. As I argued in the treatment of Hebrews 9:27 in Chapter 24, the encounter takes place at the threshold while the person is still a living agent. It is peri-mortem, not post-mortem. The finality that Hebrews teaches is not violated. The moment of dying is filled with the presence of God.

What about those who had a clear chance and clearly refused? Yes, the same encounter awaits them. But their formed character of refusal may continue into the meeting. They approach Christ with a heart shaped by years of chosen rejection. Some may soften, as Howard Storm did in his hellish near-death experience (see Chapter 12). Others may persist, as Chapter 27 argued is tragically possible. The encounter does not erase earthly decisions. It completes them.23

The "second chance" label also obscures a logical point that Kvanvig himself raised. If a second chance were given because the first was insufficient, then the logic would demand an infinite regress of chances. But the encounter is not a correction for a failed first attempt. It is a different kind of event altogether. For the unevangelized, it is the first encounter with Christ in His fullness. For believers, it is the final meeting with the One they have followed. For the pseudoevangelized, it is the first time they see the real gospel undistorted by the failures of human messengers. The word "chance" hardly captures any of these. The encounter is more like a homecoming, a revelation, or a reckoning than a do-over.65

III. The Evangelical Conversation

Evangelicals will raise the widest range of objections. This makes sense. Evangelicalism is not one tradition with one set of doctrinal commitments. It is a broad family that includes Calvinists and Arminians, charismatics and cessationists, dispensationalists and covenant theologians. The objections below come from across that family. I will take them one at a time.

Objection 1: "Hebrews 9:27 Forbids Any Postmortem Opportunity."

"It is appointed for man to die once, and after that comes judgment" (Heb 9:27, ESV). This is the verse that ends the conversation for many evangelicals. Wayne Grudem, for instance, states flatly that once we die, "we no longer have opportunity to repent and trust Christ for salvation."24 If judgment follows death immediately, there seems to be no room for a moment-of-death encounter. Case closed.

Common Objection — "Hebrews 9:27 settles the matter." Many evangelicals treat this verse as a definitive ban on any postmortem chance. But the verse teaches finality, not emptiness. It says that judgment follows death. This book agrees. The encounter is that judgment. For the full treatment, see Chapter 24.

But is the case really closed? I gave this verse a full treatment in Chapter 24, and I would encourage any reader who stopped here to go back to that chapter. The short version: the context of Hebrews 9:27 is about the finality of Christ's sacrifice. Just as Christ died once for sins, humans die once and face judgment. The parallel is about the unrepeatable character of both events. The verse does not specify what happens within the moment of dying.25

If the encounter occurs at the threshold, before the soul's final departure, it does not violate the finality that Hebrews affirms. It fills the dying moment with the very judgment that Hebrews promises. The soul meets Christ. The life is reviewed. A destiny is settled. That is judgment. And it happens once.

Objection 2: "You Weaken Evangelism Urgency."

If God meets every dying person with a direct offer of salvation, why preach the gospel now? Why spend money on missions? Why risk your life to reach an unreached people group if God is going to reach them anyway?26

This objection was treated at length in Chapter 32. Here I will give the core of the reply.

Jerry Walls, who developed the concept of optimal grace, answered this directly. He asked us to picture people suffering from hunger. We know that eventually they will receive food. Does that mean we should not feed them now? Of course not. It would be good to end their hunger as soon as possible. In the same way, if the Christian message brings fulfillment and joy, there is good reason to share it now. Those who have found real life through Christ have every reason to obey His command to take the gospel to every nation.27

Walls also spotted a problem with the traditional view that is rarely mentioned. If the only motivation for missions is that the unevangelized will be lost forever without a missionary's message, then some people end up being damned largely because other Christians failed to reach them. Walls argued that this sits poorly with the perfect justice of God. It fits better with divine justice to say that no one will be lost because of the failure of others.28

Robin Parry, writing as Gregory MacDonald, made a related point. The Calvinist faces the same structural objection: if God will save the elect anyway, why preach? The Calvinist's answer is that God works through preaching. That answer works just as well here. God works through missionaries to bring people to faith now, sparing them the pain of living without Christ. The urgency is real. The encounter does not remove it.29

There is also a positive point to make. A missionary who believes in the moment-of-death encounter goes to the field with a different kind of confidence. She knows that her failure will not send anyone to hell. God's justice does not depend on her airline ticket. She is free to serve out of love, not out of fear that the blood of the lost is on her hands. That is a healthier and more sustainable motivation for mission work. It does not weaken urgency. It purifies it.

Objection 3: "You Depend Too Heavily on NDE Data."

Some evangelicals are deeply uneasy about building any theological argument on near-death experience reports. NDEs seem too subjective. They seem too culturally shaped. Some suspect they are nothing but brain chemistry.30

I understand the concern. And I want to say clearly: this book does not treat NDE data as infallible revelation. It treats NDE data as one of three streams of evidence. The other two are biblical material and theological reflection. The book's central thesis would be worth considering even if we had no NDE data at all. Boros proposed his hypothesis in 1959 without a single NDE report in front of him. The biblical case for the descent and the preaching to the dead stands on its own exegetical merits (see Chapters 2122). The theological case for God's saving love rests on Scripture, not NDE reports (see Chapter 2).31

But the NDE data does something important. It provides striking empirical support for what theology and philosophy had already proposed on independent grounds. When Boros predicted that the dying soul would experience heightened consciousness, a life review, encounter with a loving presence, and a real choice, he was doing philosophy. When NDE researchers later documented exactly those features in thousands of cases, they were doing science. The match is striking. We should not be afraid of it just because the data comes from an unfamiliar direction.32

For the veridical cases that are hardest to dismiss, see Chapters 68.

Objection 4: "This View Is Novel."

If the moment-of-death encounter were true, some will say, would the church not have discovered it long ago? Why is this only being proposed now?33

The answer is that the church did discover it. Not in this exact form, but the pieces have been in the tradition for a very long time.

The early church widely affirmed Christ's descent to the dead. The creedal affirmation "He descended into hell" reflects a broad conviction that Christ pursued souls past the boundary of earthly life. The patristic tradition, from Irenaeus to Clement of Alexandria to Origen, held that Christ preached to the dead.34 Eastern Orthodoxy has kept this tradition alive in its iconography and liturgy for two thousand years. The Catholic "final option" view, connected to figures like Cardinal Newman, proposed that the unevangelized encounter Christ at the point of death. Beilby notes that this view has been common in Catholic circles since the nineteenth century.35

What is genuinely new is the synthesis. This book brings together the older theological convictions with NDE data, with the philosophy of time, and with the concept of optimal grace. The synthesis is new. The ingredients are not. And newness by itself is not an argument against a view. Every doctrinal development from Nicaea to the Reformation was resisted on the grounds that it was new. The relevant question is not whether a view is new but whether it is faithful to the scriptural witness.36

Objection 5: "You Soften the Gravity of Sin and Judgment."

This is a concern I share. Any theology that makes sin look trivial and judgment look toothless has betrayed the gospel. So the question matters: does this book do either of those things?37

I do not think it does. Consider what the encounter actually involves. The dying person undergoes a life review in which every harm they have caused is experienced from the inside (see Chapter 11). Every lie, every cruelty, every betrayal is seen in the light of perfect love. That is not soft. That is the most searching judgment I can imagine.

The possibility of refusal is genuine. As Chapter 27 argued, some souls may persist in saying no even in the fullest light. The consequences are real. This book takes no position on whether those consequences are eternal conscious torment, conditional immortality, or eventual restoration (see Chapter 29). But it does not deny that they are real and that they are serious.

What the book softens is not the gravity of sin and judgment. What it softens is the narrowness of historic restrictivism. It says that God's pursuing love reaches further than some traditions have dared to hope. That is not weakness. That is 1 Timothy 2:4 taken at full strength: "God desires all people to be saved and to come to the knowledge of the truth."

I want to add one more thought here. There is a version of "gravity" that actually dishonors God. If we define the gravity of judgment as meaning that billions of people will be lost forever through no fault of their own, simply because a missionary never reached them, we have made gravity into something monstrous. We have made God's justice depend on the travel schedules of human beings. The encounter model does not soften judgment. It ensures that judgment is truly just, because every soul faces the same Christ with the same offer. The gravity is in the meeting itself, not in the lottery of geography.66

Objection 6: "Time-Dilation Is Speculative."

Can we really build a theology on the claim that dying people experience time differently? Is there solid evidence for this?38

Yes, there is. NDE time-dilation is one of the best-documented features of the near-death experience. Researchers from Moody to Greyson to van Lommel have reported that NDErs consistently describe time as behaving differently. It slows down. It stops. It loses its normal structure.39 Clock time and felt time are not the same thing. We all know this from ordinary life. A few seconds of sudden fear can stretch until they feel like minutes. If ordinary consciousness can bend time that much, an experience at the threshold of death could stretch far further.

The evidence is detailed in Chapter 10. The philosophical analysis is in Chapter 14. Time-dilation is not speculation. It is a well-attested feature of human experience near the edge of death.

Objection 7: "The Eschatological Neutrality Seems Indecisive."

I have said that this book takes no position on what happens to those who reject Christ in the encounter (see Chapter 29). Some readers find this evasive. Doesn't a serious book need to pick a lane?40

The neutrality is principled, not lazy. This book argues for a specific thesis: every dying person meets Christ. That thesis works with all three major views of what comes after the encounter. Readers who hold to eternal conscious torment, conditional immortality, or universal reconciliation can all embrace the central claim without giving up their broader commitments.

Taking a position on the downstream question would narrow the audience without strengthening the central argument. And since honest Christians disagree on that question, I think honesty requires me to leave it open. I have strong convictions of my own. But the book's thesis is about the encounter itself, not its aftermath.41

Objection 8: "This Could Be Pastorally Destabilizing."

Some pastors worry that teaching the encounter could unsettle people formed in restrictivist traditions. If God meets everyone at death, their whole framework of urgency and mission might collapse. The practical effects on churches could be harmful.42

I take this concern seriously. I do not want anyone to lose their faith because of this book. But I also do not want anyone to live in needless anguish because they believe their unchurched father is in hell forever. Not if Scripture may teach something broader and more hopeful.

This book is offered for patient consideration, not for forced adoption. No pastor is obligated to preach it. No layperson must accept it. It enters the conversation gently. And I believe that a God who is actually as loving as 1 Timothy 2:4 says is a God worth trusting more, not less.43

Note — Pastoral Care in Presenting New Ideas. The author recognizes that fresh theological proposals can unsettle those formed in other traditions. The book is offered for patient thought, not for disruption. Pastors are encouraged to engage the argument at their own pace and to share it only as they find it faithful and helpful. See Chapter 34 for pastoral guidance.

IV. The Eastern Orthodox Conversation

If I am honest, this is the tradition where I find the deepest resonance. Eastern Orthodoxy has kept elements of the Christian tradition alive that speak directly to the moment-of-death encounter. And it has done so for centuries while the Western churches were looking elsewhere.

Start with the descent. The Western church has largely forgotten the descent of Christ to the dead. Many Protestants skip that line in the Apostles' Creed. Grudem has argued it should be removed altogether.44 Erickson told the story of a sermon series on the Creed at Wheaton College where no professor was willing to preach on "He descended into hell" because nobody believed in it.45

In Orthodoxy the descent is alive. It is proclaimed in the Easter liturgy. It is painted in the icons. The Anastasis icon, the central image of Orthodox Easter, shows Christ standing on the broken gates of Hades. He reaches down with both hands to pull Adam and Eve out of their tombs.46 That image captures exactly the spirit of this book: Christ pursuing the dead, not waiting for them to come to Him.

The Orthodox Paschal troparion declares that Christ has "trampled down death by death." That phrase is not a metaphor for the Orthodox. It is the center of their Easter proclamation. Christ entered the domain of death. He broke its hold. He liberated those who were held there. The Western church tends to treat the descent as an optional footnote. The Eastern church treats it as the main event. E. G. Selwyn observed that the descent tradition actually arose independently of 1 Peter 3 in the early church and was only later connected to that text.67 The conviction that Christ pursued the dead was older and wider than any single proof text. It was part of the earliest Christian proclamation.

This book stands in that stream. The encounter at the moment of death is a continuation of what Christ began in His descent. He went to the dead then. He meets the dying now. The pattern is the same: a God who does not wait passively but goes where the lost are.

Insight — Deep Convergence with Eastern Orthodoxy. Of all the Christian traditions, Eastern Orthodoxy has the most natural affinity with the moment-of-death encounter. The descent tradition, the divine-light theology, and the apokatastasis hope all converge with the book's central claim.

Then consider the divine light. Orthodox theology, drawing on Gregory Palamas and the hesychast tradition, teaches that God's uncreated light is experienced differently by different souls. For the holy, the light is warmth, joy, and glory. For the unholy, the same light burns.

Alexandros Kalomiros wrote a vivid account of this. In the Orthodox icon of the Last Judgment, a river of fire flows from the throne of Christ. But it is not an instrument of torture. It is the outpouring of God's love for His creatures. "Love is fire," Kalomiros wrote. "God is Love, so God is Fire. And fire consumes all those who are not fire themselves, and renders bright and shining all those who are fire themselves."47

This is remarkably close to what this book proposes in Chapter 19. The same divine presence that comforts the submitting soul causes pain to the resisting soul. The light does not change. The soul's response does. Ware and Vlachos have both developed this picture in ways that parallel the moment-of-death encounter.48

The Toll-Houses Question

Orthodoxy has its own internal debate about what happens after death. The "aerial toll-houses" tradition, defended by Seraphim Rose and rooted in hagiographic and visionary texts, pictures the departing soul passing through a series of checkpoints in the air. At each station, demons accuse and angels defend. The soul's sins in each category are weighed. If the soul cannot pass, it is dragged to hell.49

I am sympathetic to the underlying intuition. Something real happens to the soul at death. The departing soul is not simply whisked from one place to another without encountering anything along the way. But the elaborate imagery of demonic toll collectors does not fit well with the loving, Christ-centered encounter that NDE data and biblical theology point toward.

The toll-houses tradition is genuinely controversial within Orthodoxy itself. Some bishops have endorsed it. Others have questioned it. The debate is not between the pious and the liberal. It is between different ways of reading the same hagiographic and visionary sources. Those who defend the toll-houses insist that the soul must give an account of every category of sin. Those who reject the tradition worry that it gives too much agency to demons and too little to Christ.

Vlachos and Ware have taken a more measured approach. They affirm that the soul faces something real at death. But they locate it in the experience of God's uncreated light rather than in a series of aerial checkpoints.50 This is closer to the theology of Gregory Palamas and the hesychast tradition. Palamas taught that God's uncreated energies are real and personal, not abstract. The divine light that the saints experience in prayer is the same light that meets every soul at death. The question is not whether the soul encounters something but what it encounters. For the toll-houses tradition, the soul encounters accusation. For the Palamite tradition, the soul encounters the light of God's own being. This book stands closer to the Palamite position. The encounter is with Christ, not with demons.68

The Apokatastasis Current

Orthodoxy also contains a stream of hope for the eventual restoration of all things. The Greek word apokatastasis (restoration) is tied to Origen, Gregory of Nyssa, and others in the patristic tradition who dared to hope that God's love might reclaim every soul.51 This hope has never been officially endorsed by the Orthodox Church. But it has never been fully condemned either. The question of whether the Fifth Ecumenical Council in 553 formally condemned apokatastasis is disputed. Andrew Hronich has argued that the anathemas were directed against certain specific teachings of Origen, not against the hope of universal restoration as such.52 The hope exists as a theologoumenon, a theological opinion that may be held privately without being proclaimed as dogma. Kallistos Ware has said that a Christian may dare to hope for the salvation of all, even if she may not teach it as certainty.69

This book's eschatological neutrality sits comfortably within that Orthodox openness. I do not insist on universal reconciliation. I do not deny it either. I leave the question open in a way that Orthodox readers may find congenial. The encounter itself is my thesis. What comes after the encounter for those who refuse is a question I hand back to the wider church.53

But I want to say something personal here. The apokatastasis hope, held humbly, strikes me as one of the most beautiful threads in the Christian tradition. It is the hope that love wins. Not by overriding freedom, but by being patient enough and persuasive enough to wear down every wall. Gregory of Nyssa compared it to gold being refined by fire. The fire is not punishment. It is purification. And the gold that remains is the soul's true nature, made for God. Whether that hope proves true in the end is not mine to say. Thomas Talbott's case for universal reconciliation is engaged in Chapter 25, and my reply in Chapter 27 holds that the possibility of final refusal remains real. But the encounter model makes hope thinkable. If Christ meets every dying soul with the fullness of His love, and if that love never gives up, then the door to hope remains open, even for the worst cases.

V. The Mainline Protestant Conversation

Mainline Protestantism has been more open to inclusivist and postmortem-opportunity positions than evangelicalism has. The great mainline theologians of the twentieth century left significant room for broader hope. Barth, for all his resistance to the label "universalist," left doors open that many of his heirs walked through.54

P. T. Forsyth stands out. Ministering after World War I to parents who had lost their sons, he wrote openly about the hope of postmortem conversion. Death, he said, may open the soul's eyes. It may begin repentance. And he dared to say that there may be "more conversions on the other side than on this."55 Zachary Hayes, a Catholic, made a similar point: when the possibility of purification after death entered the theological scene, "with it came the tendency to depopulate hell."56 The doctrine of purgatory, Hayes observed, extended hope to far more people than the starkly binary alternatives of heaven or hell.

For mainline readers, the moment-of-death encounter model may feel like a natural extension of convictions they already hold. The convergence is real. But I want to note one place where this book parts ways with the most progressive forms of mainline theology. It insists that the encounter is with Christ specifically. Not with a generic divine principle. Not with the Ground of Being in some abstract sense. With Jesus of Nazareth, risen from the dead, present in love and truth.57

John 14:6 still stands: "I am the way, the truth, and the life. No one comes to the Father except through me." This book does not weaken that claim. It extends its reach. Every soul meets the One who said those words. That is not pluralism. It is the most thorough Christocentrism I know how to propose.

There is also a quiet challenge from mainline theology that deserves an honest answer. Some mainline thinkers have wondered whether the emphasis on a moment-of-death encounter puts too much weight on a single instant. Does it make the rest of life irrelevant? I addressed this concern in the evangelical section, but it deserves a different framing here. The mainline tradition rightly emphasizes the whole arc of a life lived before God. Formation matters. Community matters. The long, slow work of becoming a person of love and justice matters. This book agrees. The encounter is not a substitute for a life well lived. It is the culmination of it. For those who have lived well, the encounter ratifies a direction already chosen. For those who have not, the encounter reveals what they have been missing. In either case, the life matters. The encounter does not erase it. It brings it to its truth.70

VI. What Remains

I have tried to be honest. I have not pretended the objections are easy. Every tradition in this chapter has earned its convictions through centuries of prayer, study, and faithful living. I respect those convictions even where I disagree with the conclusions drawn from them.

But I want to close with a simple observation. Across all these traditions, the deepest concern is the same. Does God's saving love actually reach every soul?

The Catholic tradition answers: yes, through the church and purgatory. The Reformed tradition answers: yes, for the elect, through sovereign grace. The evangelical tradition answers: yes, through the preaching of the gospel. The Orthodox tradition answers: yes, through the divine light that meets every soul. The mainline tradition answers: yes, with the broadest possible hope.

This book offers one more answer. God's saving love reaches every soul at the moment of death, in a direct encounter with the risen Christ. It does not replace the church. It does not overturn election. It does not ignore Scripture. It does not soften judgment. It fills the moment of dying with everything God has been doing throughout history: loving, pursuing, offering Himself to every person He has ever made.

Key Argument — Common Ground. Across every Christian tradition, the deepest commitment is to a God whose love does not stop short. This book does not ask any tradition to abandon its core convictions. It asks whether the moment-of-death encounter might be one more way that the God all these traditions worship gets His love where it needs to go.

The view needs to be tested. It needs to be examined by Catholic theologians, Reformed thinkers, evangelical exegetes, Orthodox scholars, and mainline pastoral theologians. I am not afraid of that testing. I welcome it. If the view is true, testing will strengthen it. If it is false, testing will expose it. Either way, the church will be closer to the truth. That is what we are all after.

I want to end with a word about posture. I have spent this chapter engaging objections from people I respect. Some of them would disagree with me sharply. A few might think I have gone dangerously wrong. I understand that. Theology is not a game. What we say about the fate of the dead matters in ways that press close to the bone. Parents who have lost children, spouses who have lost partners, friends who have lost the people they loved best, all of them are listening. They deserve our best thinking, our most careful reading of Scripture, and our most honest engagement with one another. That is what I have tried to offer here.

For the pastoral implications of everything we have discussed in this chapter and throughout the book, see Chapter 34. For the full synthesis, drawing all the threads together, see Chapter 35.

Notes

1. For the life and work of Ladislaus Boros, see the detailed treatment in Chapter 16. Boros’s central work is Mysterium Mortis (1962; English: The Mystery of Death, Herder and Herder, 1965; Monkfish reprint with Cynthia Bourgeault’s introduction and commentary, 2020). Bourgeault describes Boros’s initial vision as having "far more of the elements of an authentic spiritual revelation—boldness, surprise, compelling inner authority—than of an idea theologically derived or long chewed over."

2. Catechism of the Catholic Church, §1030: “All who die in God’s grace and friendship, but still imperfectly purified, are indeed assured of their eternal salvation; but after death they undergo purification, so as to achieve the holiness necessary to enter the joy of heaven.”

3. The doctrine of purgatory was defined at the Council of Florence (1439), session 6, and reaffirmed at the Council of Trent (1563), session 25. See also Catechism of the Catholic Church, §§1030–1032.

4. Joseph Ratzinger (Pope Benedict XVI), Eschatology: Death and Eternal Life, trans. Michael Waldstein, 2nd ed. (Washington, DC: Catholic University of America Press, 1988). Ratzinger argued that the fire of purgatory is the Lord himself—the Judge and Savior—and that the encounter with Christ after death is itself transformative. This brought Ratzinger’s account closer to the moment-of-death model than many readers have recognized.

5. Congregation for the Doctrine of the Faith, Recentiores episcoporum synodi (May 17, 1979). The letter affirmed belief in the purification of the elect after death but warned against imagery that goes beyond what the church actually teaches.

6. Jerry L. Walls, Purgatory: The Logic of Total Transformation (Oxford: Oxford University Press, 2012), ch. 2. Walls notes that “if purgatory were understood only as the instant of purification that occurs when the soul leaves the body, Protestants would likely find nothing to dispute in the doctrine.”

7. Charles Hodge, Systematic Theology (1872; repr., Peabody, MA: Hendrickson, 2003), 3:724. Hodge asked whether it was strange, given Paul’s transformation on the Damascus road, “that the souls of believers, when separated from the world and the flesh, and redeemed from the power of the devil, and bathed in the full brightness of the glory of the blessed Redeemer, should in a moment be purified from all sin?” Quoted by Walls, Purgatory, ch. 2.

8. Boros, Mystery of Death, II.8. Boros quotes E. Brisbois, “Durée du purgatoire et suffrages pour les défunts,” Nouvelle Revue Théologique 81 (1959): 838–45.

9. Catechism of the Catholic Church, §§774–776, on the church as “the universal sacrament of salvation.”

10. Second Vatican Council, Lumen Gentium (1964), §14.

11. On the church’s role in forming souls for the encounter, see Chapter 28 on optimal grace. God uses every means available—including the church’s ministry—to compose the approach best suited to each soul.

12. Lumen Gentium, §16: “Those also can attain to salvation who through no fault of their own do not know the Gospel of Christ or His Church, yet sincerely seek God and moved by grace strive by their deeds to do His will as it is known to them through the dictates of conscience.”

13. Catechism of the Catholic Church, §1022.

14. The structural convergence between the particular judgment and the moment-of-death encounter is significant. Both place the soul before Christ. Both involve an accounting of the life. Both settle the soul’s destination. The difference is tonal: the Catholic tradition stresses the juridical dimension; this book stresses the relational and responsive dimension. But the event they describe is the same.

15. For a representative Reformed statement on postmortem opportunity, see Millard Erickson, How Shall They Be Saved? The Destiny of Those Who Do Not Hear of Jesus (Grand Rapids: Baker, 1996). Erickson insists that “the concept of purgatory—and indeed any view which posits a period of probation and atonement following death—must be rejected.”

16. Canons of Dort, Fifth Main Point. See also Louis Berkhof, Systematic Theology, 4th ed. (Grand Rapids: Eerdmans, 1941), 545–49; Herman Bavinck, Reformed Dogmatics, ed. John Bolt, trans. John Vriend (Grand Rapids: Baker Academic, 2008), 4:266–72.

17. Compare the Westminster Shorter Catechism, Q. 37: believers at death “are made perfect in holiness” and “pass immediately into glory.” The encounter fills that expectation with relational content.

18. Canons of Dort, First Main Point, Article 7.

19. For the Arminian-Wesleyan framework of libertarian freedom and prevenient grace, see Timothy A. Stratton, Human Freedom, Divine Knowledge, and Mere Molinism, 2nd ed. (Eugene, OR: Wipf & Stock, 2026), chs. 12 and 15.

20. A Reformed theologian might develop this by connecting the encounter to what John Owen called “effectual calling” and arguing that the encounter is where God’s effectual call reaches its target. See Owen, The Death of Death in the Death of Christ (1647), Book IV.

21. Jonathan Kvanvig, The Problem of Hell (New York: Oxford University Press, 1993). Cited by James Beilby, Postmortem Opportunity, 217–18.

22. Beilby, Postmortem Opportunity, 218–19. Donald Bloesch, The Last Things (Downers Grove: InterVarsity, 2004), used the phrase “universality of a first chance.”

23. For the full argument that formed character can continue into the encounter, see Chapter 27. For NDE evidence of hellish encounters that sometimes transform and sometimes persist, see Chapter 12.

24. Wayne Grudem, Systematic Theology (Grand Rapids: Zondervan, 1994), 816.

25. See the full exegetical treatment in Chapter 24. The context of Hebrews 9:27–28 concerns the finality of Christ’s atoning sacrifice, not the phenomenology of the dying moment.

26. This was one of J. I. Packer’s primary objections to universalism and, by extension, to any broadened hope. See Packer, “Evangelicals and the Way of Salvation,” in Evangelical Affirmations, ed. Kenneth S. Kantzer and Carl F. H. Henry (Grand Rapids: Zondervan, 1990), 121–23.

27. Jerry L. Walls, Hell: The Logic of Damnation (Notre Dame: University of Notre Dame Press, 1992), ch. 4, §III.

28. Walls, Hell, ch. 4, §III. Walls also pointed out that the traditional view “entails the unacceptable conclusion that some persons may be damned largely because of the failure or disobedience of others.”

29. Gregory MacDonald (Robin Parry), The Evangelical Universalist, 2nd ed. (Eugene, OR: Cascade, 2012), ch. 13.

30. For a balanced evangelical treatment of NDE evidence, see Gary Habermas and J. P. Moreland, Beyond Death: Exploring the Evidence for Immortality (Wheaton: Crossway, 1998), who argue that NDE data is evidentially significant for the question of consciousness beyond death but should not be used to construct soteriology directly.

31. The three-stream methodology is set out in Chapter 1: (1) biblical and theological reflection; (2) the philosophical-theological hypothesis of Boros; (3) the convergent empirical data from NDE research. The argument stands if any one stream is weakened, because the other two remain.

32. See Chapter 17 for the full analysis of the Boros-NDE convergence.

33. The “novelty objection” is not unique to this proposal. Every significant doctrinal development from Nicaea forward was resisted on the grounds that it was new. The relevant question is not whether a view is new but whether it is true.

34. On the patristic descent tradition, see Chapter 20 and Chapter 21. E. G. Selwyn noted that the descent tradition arose independently of 1 Peter 3 and was only later connected to it. See Stephen Jonathan, Grace beyond the Grave, ch. 5.

35. Beilby, Postmortem Opportunity, 54–55. See also Terrence Tiessen, who added the caveat that the response at death will be consistent with the person’s response to God during life.

36. On the relationship between theological innovation and faithfulness to Scripture, see the discussion of doctrinal development in Chapter 29.

37. The concern that broadened hope softens judgment confuses scope with substance. Making judgment available to more people does not make the judgment itself less serious. The life review described in Chapter 11 may be the most searching form of judgment in all of Christian theology.

38. The time-dilation objection is treated more fully in Chapter 14. For the empirical evidence, see Chapter 10.

39. Pim van Lommel, Consciousness Beyond Life (New York: HarperOne, 2010); Bruce Greyson, After (New York: St. Martin’s, 2021); Raymond Moody, Life After Life (1975).

40. See Chapter 29 for the full case for eschatological neutrality.

41. The author personally leans toward conditional immortality with a final opportunity at the last judgment, and is open to a conservative biblical universalism. But the book takes no position. See Chapter 29.

42. The pastoral concern is legitimate and is taken up directly in Chapter 34.

43. 1 Tim 2:4 (ESV): “God . . . desires all people to be saved and to come to the knowledge of the truth.”

44. Wayne Grudem, “He Did Not Descend into Hell: A Plea for Following Scripture Instead of the Apostles’ Creed,” Journal of the Evangelical Theological Society 34, no. 1 (1991): 103–13.

45. Stephen Jonathan, Grace beyond the Grave, 186–87, recounting the anecdote from Millard Erickson.

46. For the theological significance of the Anastasis icon, see Kallistos Ware, The Orthodox Way, rev. ed. (Crestwood, NY: St. Vladimir’s Seminary Press, 1995), 112–14.

47. Alexandros Kalomiros, “The River of Fire” (1980). See also the treatment of the divine presence model in Chapter 26.

48. Hierotheos Vlachos, Life after Death (Levadia, Greece: Birth of the Theotokos Monastery, 1998); Kallistos Ware, The Inner Kingdom (Crestwood, NY: St. Vladimir’s Seminary Press, 2000).

49. Seraphim Rose, The Soul after Death (Platina, CA: St. Herman of Alaska Brotherhood, 1980).

50. Vlachos and Ware both affirm that the soul faces something real at death but locate it in the experience of God’s uncreated light rather than in a series of aerial checkpoints.

51. On the patristic roots of apokatastasis, see Ilaria Ramelli, The Christian Doctrine of Apokatastasis (Leiden: Brill, 2013). The key figures are Origen (De Principiis) and Gregory of Nyssa (De Anima et Resurrectione; Catechetical Oration).

52. A theologoumenon (Gk. θεολογούμενον) is a theological opinion that may be held privately without being proclaimed as dogma. On the disputed question of whether apokatastasis was formally condemned at the Fifth Ecumenical Council (553), see Andrew Hronich, Once Loved, Always Loved, ch. 7. Hronich argues that the anathemas in question were directed against certain views of Origen but not against apokatastasis as such.

53. See Chapter 29 for the full treatment of eschatological neutrality.

54. Karl Barth, Church Dogmatics, IV/3.1. Wolfhart Pannenberg, Systematic Theology, vol. 3, trans. Geoffrey Bromiley (Grand Rapids: Eerdmans, 1998).

55. P. T. Forsyth, This Life and the Next (London: Macmillan, 1918). Quoted by Andrew Hronich, Once Loved, Always Loved, ch. 6.

56. Zachary Hayes, quoted by Hronich, Once Loved, Always Loved, ch. 6.

57. On the Christological center of the encounter, see Chapter 18.

58. Calvin, Institutes of the Christian Religion, III.5.6. Calvin called purgatory “a deadly fiction of Satan, which nullifies the cross of Christ.” Quoted in Jerry L. Walls, Purgatory: The Logic of Total Transformation (Oxford: Oxford University Press, 2012), ch. 2. Walls notes that Calvin’s attack was aimed squarely at the satisfaction model of purgatory, in which the soul pays a debt of punishment to God’s justice.

59. Walls, Purgatory, ch. 3. Walls argues that if God can purify a soul instantly through the brightness of His glory, as Hodge suggested, the rationale for a lengthy purgatorial process is significantly weakened. The sanctification model, which Walls favors, focuses on genuine moral transformation rather than penal satisfaction.

60. Thomas Aquinas, Summa Theologiae, Suppl., Qu. 69, Art. 2. See also In 4 Sent., D. 45, Qu. 1. Discussed in Ladislaus Boros, The Mystery of Death, I.3.

61. Cajetan (Thomas de Vio), In I Part., Summ. Theol. Cajetan transferred the decisive act of the soul to the moment of death itself, making the last instant of life the setting for a total self-donation to God. Boros recognized in this “a sketch, not yet elaborated into a system, of the hypothesis of a final decision.” See Boros, Mystery of Death, II.5.

62. Calvin, Institutes, III.2.11. Quoted and discussed in R. Zachary Manis, Sinners in the Presence of a Loving God (Oxford: Oxford University Press, 2022), 83–84. See also Jerry L. Walls and Joseph R. Dongell, Why I Am Not a Calvinist (Downers Grove, IL: InterVarsity, 2004), 168–69.

63. Manis, Sinners in the Presence of a Loving God, 82–86. Manis argues that on strict Calvinist premises, no inner state serves as a reliable sign of election, since God may grant the reprobate experiences indistinguishable from genuine faith in order to set up a more dramatic apostasy and a greater display of divine judgment.

64. Louis Berkhof, Systematic Theology, 4th ed. (Grand Rapids: Eerdmans, 1941), 121. On the limitations of infralapsarianism, see also 122–24.

65. See the fuller treatment of the “second chance” objection in Chapter 24 and the discussion of the unevangelized in Chapter 32.

66. Jerry L. Walls, Heaven, Hell, and Purgatory (Grand Rapids: Brazos, 2015), 84–86. Walls argues that God’s “optimal grace” ensures that no one is lost due to the failure of other human beings to deliver the gospel. See also the treatment of optimal grace in Chapter 28.

67. E. G. Selwyn, The First Epistle of St. Peter, 2nd ed. (London: Macmillan, 1947), 337–39. See also Stephen Jonathan, Grace beyond the Grave, ch. 5, who discusses the independence of the descent tradition from 1 Peter 3.

68. On Gregory Palamas and the distinction between God’s essence and energies, see Vladimir Lossky, The Mystical Theology of the Eastern Church (Cambridge: James Clarke, 1957), ch. 4. On the hesychast tradition and its relevance to eschatology, see Hierotheos Vlachos, Life after Death (Levadia, Greece: Birth of the Theotokos Monastery, 1998), ch. 3.

69. Kallistos Ware, “Dare We Hope for the Salvation of All?” in The Inner Kingdom (Crestwood, NY: St. Vladimir’s Seminary Press, 2000), 193–215. Ware carefully distinguishes between the dogmatic certainty that hell exists and the permissible hope that it may be empty.

70. On the relationship between antemortem formation and the moment-of-death encounter, see the discussion of “prevenient encounters” in Chapter 9 and the pastoral guidance in Chapter 34.