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ELI5: If you're a Christian, why do you have to be good if Jesus will forgive you no matter what?
(self.explainlikeimfive)
Simplifying Complexity, One Answer at a Time!
Rules
Latter-day Saint beliefs are that one's intent and internal desires play a role. Thus, a non-repentant person wouldn't desire forgiveness, and wouldn't be forced by Jesus to accept it.
Under their rules you're allowed repenting after death, as well. Actions in life only determine which of the three tiers of heaven you go to if you don't decide to send yourself to "outer darkness".
You're right, some repentance after death is technically an LDS doctrine, however it isn't widely accepted. But yes, our concepts of heaven and hell are more inclusive than the standard Christian binary.