Salvation is complete; it involves justification, sanctification, and glorification. By grace, through faith, God justifies believers in an instantaneous act. That is to say, Christ died for His people in order that the penalty for their sins might be paid and His righteousness might be counted to them. They are declared just before God when they believe. Once justified, Christ saves them from the power of their sins through the lifelong process of sanctification. In sanctification, Christians are made more and more like Jesus Christ. But a lifelong process never ends, and the final goal is never reached until death. At death, Christians are glorified; they are then made completely perfect for the first time.
Jay Adams