Prayana-kale manasa chalena. Prayana-kale means "at the time of death." Just like the students, they prepare two years, three years, five years, in their college education, and the final test is their examination, and if they pass in the examination, they get the degree.
Similarly, in our living condition, if we prepare for the examination at the time of death and we pass the examination, then we are transferred to the spiritual world. So prayana-kale. The whole thing is examined at the time of death.
————Bhagavad-gita Lecture 8.12.13, New York, November 15, 1966