Daryl, ultimately God is the judge. He will reward people accordingly for their actions (Revelation 22:12). He is a God of justice, love, wisdom, and power.
That said, let's get to some other points based on the Bible that I believe in:
1) I believe that most of the people that have ever died will be resurrected, whether they were righteous or unrighteous. (Acts 24:15; John 5:28,29). After their resurrection they will have the opportunity to follow Jesus' teachings, and further helpful instructions by God in restored conditions, a new system of things (Jesus' 1000 year rule- Revelation 20:1-3,11-13).
2) When Jesus returns in his second presence, and then at the time of the manifestation of that presence, true Christians alive at that time, will be saved into the coming new system of things ruled by Jesus for 1000 years (Revelation 7:9-17).
The only people excluded from the above mentioned blessings are (remembering that God will be the judge):
1) People who were extremely wicked towards God's purposes. For example people who sinned against the holy spirit (Mark 3:28-30), like Judas, or like Adam and Eve (who sinned in their perfect states willingly- see Romans 5:14), or some of the religious leaders who had Jesus killed, who had seen his miracles/healings done by the power of God's holy spirit right in front of their face, yet turned against Jesus.
2) People who died by direct actions of God, during for example, times of judgement by him. This would appear to include, the people who died outside of Noah's ark (only 8 righteous people survived), people who died when God rained fire and sulpher down on the cities of Sodom and Gomorrah (Jude 7) (righteous Lot and his two daughters were rescued from Sodom and Gomorrah), and also people who reject Christ at his second presence when conditions in the world would be wicked, so that the difference between true Christians, and the rest of mankind, would be fairly plain to see who was on Christs' side. Jesus said that this time period would be the same as the days of Noah (Matthew 24:36-42). At that time only Noah and his family tried to do God's will, the rest ignored Noah's warnings, and did not get into the ark. The world was extremely corrupt at that time. God decided that he had to act to save his creation from ruin, and also to protect righteous people from the actions of wicked people against them.
These are my beliefs, other Christians/ other faiths may have different thoughts, and are entitled to their own opinions on this subject.
Brien