I'm not familiar with Erwin Lutzer, but I'm going to look him up.
Now one of the differences between differing rewards and Mormonism is the location of their life after death and resurrection.
View attachment 278880
LDS Doctrine and Covenants Student Manual, Enrichment G, p. 395
Those in the two lower kingdoms are not with God.
The three kingdoms are Celestial, Terrestrial, and Telestial.
CIVIL MARRIAGE MAKES SERVANTS IN ETERNITY.
The Lord says in regard to marriage: "For whatsoever things remain are by me: and whatsoever things are not by me shall be shaken and destroyed. Therefore, if a man marry him a wife in the world, and he marry her not by me nor by my word, and he covenant with her so long as he is in the world and she with him, their covenant and marriage are not of force when they are dead, and when they are out of the world; therefore, they are not bound by any law when they are out of the world."
That is, they are not bound by any law of the gospel. It has no claim upon them: when they are dead their contract, and obligations, and bonds come to an end; they have no claim upon each other, and no claim upon their children. Their children are left without parents, only as they themselves through their own faithfulness may be adopted into some other man's family.
"Therefore, when they are out of the world they neither marry nor are given in marriage; but are appointed angels in heaven; which angels are ministering servants, to minister for those who are worthy of a far more, and an exceeding, and an eternal weight of glory.
"For these angels did not abide my law; therefore, they cannot be enlarged, but remain separately and singly, without exaltation, in their saved condition, to all eternity; and from henceforth are not gods, but are angels of God forever and ever."
The implication here is this, that they who are clean in their lives; who are virtuous; who are honorable; but who will not receive this covenant of eternal marriage in the house of God, shall come forth-and they may even enter into the celestial kingdom, but when they enter there they enter as servants-to wait upon those "who are worthy of a far more, and an exceeding, and an eternal weight of glory."
Joseph Fielding Smith,
Doctrines of Salvation, Vol. 2, p.61-62