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Well receiving God's free gift of Eternal Life is not about loving God/Jesus. And it is also not a corporate act, meaning just because a Mother and Father are believers does not means their child or children will be.
Growing up in a christian home accounts for nothing if the members in that family never trust in The Messiah for God's free gift of Eternal Life.
Receiving God's free gift of Eternal Life is something each individual person will have to do themselves. They will have to study and examine the evidence presented by The Bible about Jesus and who He states He is. If they come to the belief that what The Bible states about Jesus is true. Then they can then trust in the Messiah for God's free gift of Eternal Life.
But as to why protestants say they have come to The Lord at age 15, 20, 25, 30 etc.. is usually because churches/pastors/lay people, have made receiving God's free gift of Eternal Life. So confusing, people do not know what to believe or who (object of faith) to actually place their faith into, to receive Eternal Life.
Many churches today place the burden upon the person, by saying they must do this repent, be baptized, confess Christ, say a prayer, live a life time of obedience, bear fruit, preserver in the faith, etc..
When the only condition give by God is to believe His promise of Eternal life, to all who will trust in The Messiah for Eternal Life.
The Gospel of John was written exactly for that very purpose to tell people how to receive God's free gift of Eternal Life. Too bad very few are taught its message.
And truly Jesus did many other signs in the presence of His disciples, which are not written in this book; but these are written that you may believe that Jesus is the Christ, the Son of God, and that believing you may have life in His name.