E
Because it's a question that only God can answer. There are requirements for one to be saved, if one doesn't meet them all for whatever reason it is up to God to decide. He has given the requirements and has obligated Himself to saved those who meet those requirements. Can people be saved if they don't meet them? I believe they can if there are extenuating circumstances, however, that decision belongs to God.
then again, How can you explain this passage?
1 John 5:13
These things I have written to you who believe in the name of the Son of God, that you may know that you have eternal life, and that you may continue to believe in the name of the Son of God.
How can one know they have eternal life with everything you just said, there would be no way possible to know if you did enough for God to save you, you would have to go to your death bed and not know if your saved or not.