Hi Black.Knight
That's a great question.
When Jesus Christ uttered the words : "It is finished" on the cross, effectively at that point He redeemed the whole world. However Universal Salvation implies that regardless if anyone believes it or not, they are still saved. This is not a biblical reality. That said, it is the role of the Christian/Church/body of believers to help others to awaken into the reality of what has already happened, which implies that, yes, the sinner is already saved, "While we where yet sinners, Christ died for us." However we must "believe", "reckon", "be born again", "take up", "recieve", etc etc.
It's like having the winning lotto ticket in the top drawer but not knowing it's the winner yet. There might be millions in a holding account with your name on it, but until you front up with the ticket and collect, it's not yours yet. But in reality the money is still there. The winning is that Jesus Christ was able to save you, and that is just what He did. The Christian believes that Jesus is the way the truth and the life. The crucifiction death and resurection of Christ in bodily form is the only way of salvation/redemption.
Hope this helps.
Many so called "Christian"denominations attempt to refute this in a number of different ways, but it is a biblical fact that is only revealed from above to each individual personally. But if one does not receive it, it doesn't alter the fact the price for every individual sinner/sin has already been paid in full.
Today is the day of salvation, its a done deal.