2) No one will know if they are saved until the moment of death.
3) Eternal life comes after earthly death, not before.
Until you understand these three things there is no need for further discussion.
BTW stop trying to put words in my mouth.
Again ...
And this is the testimony that God has given us eternal life and this life is in His Son. He who has the Son has (present tense) life, he who has not the Son of God has not life. I write these things to you, who believe in the name of the Son of God, that you may know that you have eternal life.
John wrote his first epistle ... so that we would know.
Jesus also speaks to this issue ... consider John 10:27-28
My sheep hear My voice, and I know them, and they follow Me; and I give eternal life to them, and they shall never perish; and no one shall snatch them out of My hand.
and I give (yup, present active indicative again) eternal life to them ... and they shall never perish (double negative with a subjunctive aorist, yeah, it was enough to have one negative with a future ... but Jesus wanted to eliminate any possibility here) ... and no one shall snatch them (future middle ...) out of My hand.
How about John 3:8
"He who believes in the Son has eternal life; but he who does not obey the Son shall not see life, but the wrath of God abides on him."
Do I need to say it? Yeah, present tense ... has eternal life.
My personal favorite ...
John 5:24
Truly, truly, I say to you, he who hears My word, and believes Him who sent Me, has eternal life, and does not come into judgment, but has passed out of death into life.
he has passed out of death ... into life.
I could go on and on ... you cant get away from the plain meaning of the text. The only thing you can do is reject it out of hand in favor of a prior theological view.
I urge you to consider His words ... feel free to ignore mine.