Proverbs 11:7 When a wicked man dieth, his expectation shall perish: and the hope of unjust men perisheth.
8 The righteous is delivered out of trouble, and the wicked cometh in his stead.
These verses pretty well tell it straight up when a wicked person dies there is no more hope for them. Up until that time I believe everyone has the chance to repent and be saved. But again after death if you are not saved there is no second chance and your only expectation is eternity in hell. Verse 18 tells us that though we may go through tribulations because we follow God we will be delivered. We even see in revelation where God saves His people out of tribulation
Revelation 7:14 And I said unto him, Sir, thou knowest. And he said to me, These are they which came out of great tribulation, and have washed their robes, and made them white in the blood of the Lamb.
The wicked are left on earth at this time to to deal with all horrors of this time.
Even in the teachings of Proverbs we can see we need to make a decision for Jesus now because we are not promised tomorrow.