You don't have to die and suffer the second death in the everlasting fire of hell. The good news is that God loved us so much that he judged his own Son instead. And eternal life is available as a free gift to those that would trust Jesus.
And once you believe on Jesus, his death, burial, and resurrection for the remission of all your life's sins (this includes your future sins as well, they were nailed to the cross with your past sins), the moment you believe Christ did it for you, you have everlasting life present tense. You are born again spiritually into God's family. It's once saved always saved, because you cannot lose everlasting life if you have it. If you could lose it depending on your works, it'd be called temporal life, not eternal life.
If you believe the gospel, ask Jesus to save you right now.