You need to say at what moment you believe that one is saved. Do you mean at Baptism?
1213 Holy Baptism is the basis of the whole Christian life, the gateway to life in the Spirit (vitae spiritualis ianua),4 and the door which gives access to the other sacraments. Through Baptism we are freed from sin and reborn as sons of God; we become members of Christ, are incorporated into the Church and made sharers in her mission: "Baptism is the sacrament of regeneration through water in the word."5
vatican.va/archive/ccc_css/archive/catechism/p2s2c1a1.htm
If a person means that one is saved the moment one says, “I accept Jesus as my Lord and Savior” therefore from this moment I am saved regardless of anything else. then this does not conform with the bible.
I will give you other scriptures, but first, we need to look at Jesus who is judge of souls and what He describes as necessary for salvation.
When Jesus describes the judgement of souls, He does so on the basis of whether or not they have lived the command of love. He makes it clear that He will judge us by our acts of practical kindness to others, which He also takes as kindness/love, to Himself.
He does not say, that because you said to me that you accepted me as your Lord and Savior, you will go to heaven, He says because you lived acts of kindness:
"
All the nations will be gathered before him, and he will separate people one from another as a shepherd separates the sheep from the goats, and he will put the sheep at his right hand and the goats at the left. Then the king will say to those at his right hand, “Come, you that are blessed by my Father, inherit the kingdom prepared for you from the foundation of the world; for I was hungry and you gave me food, I was thirsty and you gave me something to drink, I was a stranger and you welcomed me, I was naked and you gave me clothing, I was sick and you took care of me, I was in prison and you visited me.” Then the righteous will answer him, “Lord, when was it that we saw you hungry and gave you food, or thirsty and gave you something to drink? And when was it that we saw you a stranger and welcomed you, or naked and gave you clothing? And when was it that we saw you sick or in prison and visited you?” And the king will answer them, “Truly I tell you, just as you did it to one of the least of these who are members of my family, you did it to me.”
Those who did not live practical kindness to other merit hell.
" Then he will say to those at his left hand, “You that are accursed, depart from me into the eternal fire prepared for the devil and his angels; for I was hungry and you gave me no food, I was thirsty and you gave me nothing to drink, I was a stranger and you did not welcome me, naked and you did not give me clothing, sick and in prison and you did not visit me.” Then they also will answer, “Lord, when was it that we saw you hungry or thirsty or a stranger or naked or sick or in prison, and did not take care of you?” Then he will answer them, “Truly I tell you, just as you did not do it to one of the least of these, you did not do it to me.” And these will go away into eternal punishment, but the righteous into eternal life.’ "
This is all in Matthew 25 verses 31-46
Even in this scripture, Jesus is assuring us that a single act of accepting Him as Lord and Savior, and even repeating this, does not get us into heaven.
He requires that we live the commands of love in a practical, realistic way.