My question is simple yet requires much thought. If a person is born again they then become saved, inseparable from God is this the correct interpretation? In order to do so I must accept Jesus Christ as my personal savior? Is this exact wording based on the scripture or is the phrase "accept Jesus Christ as my personal savior" a man made phrase not actually found in scripture anywhere?
There are verses that infer that we accept Christ (GOD) into our hearts or lives as a part of Him being our Savior.
Jesus says,
"Behold, I stand at the door, and knock: if any man hear my voice, and open the door, I will come in to him, and will sup with him, and he with me." (Revelation 3:20).
"...If a man love me, he will keep my words: and my Father will love him, and we will come unto him, and make our abode with him." (John 14:23).
"He that eateth my flesh, and drinketh my blood, dwelleth in me, and I in him." (John 6:56).
"If ye abide in me, and my words abide in you, ye shall ask what ye will, and it shall be done unto you." (John 15:7).
Paul says,
"That Christ may dwell in your hearts by faith; that ye, being rooted and grounded in love." (Ephesians 3:17).
"And what agreement hath the temple of God with idols? for ye are the temple of the living God; as God hath said, I will dwell in them, and walk in them; and I will be their God, and they shall be my people." (2 Corinthians 6:16).
"To whom God would make known what is the riches of the glory of this mystery among the Gentiles; which is Christ in you, the hope of glory" (Colossians 1:27).
John says,
"And we have known and believed the love that God hath to us. God is love; and he that dwelleth in love dwelleth in God, and God in him." (1 John 4:16).
In addition, there are several passages that tell us that you cannot be out of fellowship with God and be saved.
#1. 1 John 5:12 says He that has the Son has life and He that does not have the Son does not have life. Life is associated with eternal life or salvation.
#2. John 17:3 says eternal life is in knowing the one true God, Jesus Christ. Knowing implies a fellowship. So if you don't know Jesus, then you don't have life (Salvation).
#3. Romans 8:9 says if he a man does not have the Spirit of Christ, he does not belong to him.
#4. Psalms 73:27 says God will destroy all those who abandon Him (or go a whoring from Him).
#5. John 15:6 says if a man does not abide in Him, he is cast forth and burned.
#6. 1 John 1:7 says if we walk in the Light as He is in the Light, the blood of Jesus Christ cleanses us from all sin.
#7. Romans 11:21-22 says if you do not continue in his goodness you will be cut off. For if God spared not the natural branches (i.e. the Jews), take heed that he can do the same to you (i.e. Gentile believers). The analogy here is that you are branch and Christ is the tree. We need to continue in Christ's righteousness or goodness, not our own righteousness or goodness, or we will be cut off because of unbelief.
Furthermore, who ultimately does the "good work" in a believer's life?
Is it God?
Or is it the believer?
Well, Scripture tells us that God (Christ) is the One who ultimately does the work within a believer.
Philippians 1:6
Philippians 1:11
Philippians 2:13
Philippians 4:13
1 Corinthians 15:10
Hebrews 12:1-2
Hebrews 13:21
Isaiah 26:12
1 John 4:12
Galatians 5:22-24 (cf. Matthew 7:16-18, Matthew 19:17)
John 15:5
Ezekiel 36:26-27
For that is why the 24 elders cast their crowns down before Jesus (Revelation 4:10). For the crowns they received for their good work was all the result of Christ working in them.
Yeah, but doesn't a believer do the work, too? Now, yes, it is true; A believer is created unto Christ Jesus for good works (Ephesians 2:10); And a believer is indeed held accountable by their "good works" here upon this Earth at a Judgment. But we must also realize that true believers are not ultimately doing these "good works" alone or of their own power, though. For in 1 Corinthians 15:10 Paul said that he labored more than all of his brethren, yet he said it was not him that labored but it was the grace of God that was within him. So true believer's are just choosing to allow God's "good work" to flow within them or not.