There are at least three different reasons a question like
this gets asked. One is very Catholic, a second very Protestant, and the
third ... well ... universal.
The Catholic might best have his question paraphrased as
something like “Is there a purgatory, and do we get to go to heaven at the end
of it?” The Protestant is really asking “Is this ‘rapture’ thing I’ve heard
about really in the Bible, and if I get left behind, do I get another
shot?” The universalist is asking some version of “Surely hell cannot last
forever, can it?”
But if you’re looking for an excuse to put off becoming a Christian so you can do it at a more convenient time, the answer to the question is going to be the same no matter what theological presuppositions underlie it.