Some incredible thoughts on this passage from Richard Phillips—both encouraging for the child of God and prodding and provoking for the person still rejecting Christ.
“There is this life and death, and no others, after which comes judgment before God’s holy throne. There is a resurrection for both the just and the unjust. All will die, and after death come to stand before God to be measured according to the perfect standard of God’s holy law. This rules out the many ‘second-chance’ theories that are occasionally popular in Christian circles. People like to think that even if we deny Christ in this life and then die in our sins, we can have another chance when we see him after death. Not so, says this passage. After death is judgment. As Jesus warned, ‘Unless you believe that I am he you will die in your sins’ (John 8:24)….If you have not reckoned on this reality, if you have not made provision for your coming judgment, a judgment that is as near to you as your death, the date of which you do not know, let this warning apply to you. Ahead of you is death, but that is not the end. It leads to judgment, a judgment in which sinners cannot stand. Jesus taught about the judgment of unforgiven sinners, saying, ‘These will go away into eternal punishment’ (Matthew 25:46). But Jesus made provision for the forgiveness we need. He has died in our place on the cross, taking up our sins, and then appeared before God in heaven with the marks still on his hands and feet, his blood bearing testimony to his redeeming work for all who look to him in faith. If you trust in Jesus Christ, you have no fear of judgment to come, for Christ has exhausted the fury your sins have deserved. For you, judgment will be an open door to life everlasting, a portal to eternity as beloved children of God.”
(Taken from Phillip’s Hebrews: Reformed Expository Commentary, 326-327.)