Not speaking in regard of this particular Sect, householder JJ50 may refer to, but actually the state at death is very important for someone having not reached the
stream of holiness yet. Even if one is leading a virtuous life, doing good, but at the moment of breaking up of the body holds wrong views, although his good actions will also have there effects later, might fall to hell. And yes, even if a mass-murder would by heart turn to the Noble Ones and the good teachings, reaching the stream, would be no more able to fall into a animal womb, or into a bad or hellish existence, state, designated toward liberation within most 7 existences. There is the famous story of
Angulimala, the murder who became an Arahat.
In regard of ordinary people, if able to reflect on good Gods, on heaven ond good refuges at death, even if having leaded not so good life, but not made one of the 6 grave misdeeds (murder mother, father, an Arahat, harming a Buddha, splitting the community of monks or holding
grave wrong views, they are headed to hell anyway and no chance to grow in the good Dhamma this existance), can expect a heavenly existing next, yet his other kamma will later ripe and he may fall from heaven to hell next. Like states in daily live, you might know. Feeling like in heaven, peng, down to hell right next morning.
That is why wise seek for reaching the stream, reaching "holiness", since nothing left to fear and so much suffering behind, more worthy then all treasures and Kingdoms in this world.
And it's good to hold always to the
save bet.