How can we act on the free will God gave us to be born again if someone uses their free will to murder us? What is to say that the person that was murdered after the accountability age would or would not of chosen a life with Christ had they not been murdered or that a person for some reason would reject Christ later on in life? God’s will is we all come to the saving grace of His Son Jesus but He knew before He made us what our choice would be. Was our destiny set before we were born or will people who met an untimely death have an argument at the judgement or why even have a judgement if our life was predestined? What about the fact that God calls us to salvation, not that we were first to choose?
Romans 8:29-30 has the answer. It says, For those God foreknew he also predestined to be conformed to the image of his Son, that he might be the firstborn among many brothers and sisters. And those he predestined, he also called; those he called, he also justified; those he justified, he also glorified.
That means God has always known who would ask to be saved and has always had a place reserved for them in His Kingdom. God knows the end from the beginning so He also knows the details of every person’s life including the day of each person’s death. Before that can happen, God will call him to make the decision He already knows the person will make. When the person makes his decision, God applies the blood of Jesus to his sins, washing them all away and saving him. At the resurrection / rapture God will glorify Him.
As for God calling us first, notice that the call is step three in the process. Within the confines of time He may call us before we choose but since God is outside of time He already knew what our choice would be and had a place all prepared for us when He called us.
Notice that in Romans 8:29-30 the phrases “some of those” or even “most of those” do not appear. Everyone He foreknew has a reservation in Heaven. Everyone who has a reservation will receive a call. Everyone who receives a call will be justified, and everyone who is justified will be glorified. So you see, the situation you’ve proposed cannot happen. God doesn’t miss any opportunities, nor can He be taken by surprise.