Jayapataka Swami: That is why we chant Hare Kṛṣṇa all our life, so that we can remember Kṛṣṇa at the time of death. We heard that loving Kṛṣṇa, remembering Kṛṣṇa, serving Kṛṣṇa, going back to Kṛṣṇa is not a matter of karma, it is a matter of our bhakti and free will. If someone thinks that at the time of death, if they have not practiced thinking about Kṛṣṇa, they may think anything, who knows?  Oh no! Who will feed my dog?  Oh my cat! She has to have her milk!  So that is karma. So, we should practice remembering Kṛṣṇa and naturally at the time of death, we can remember Kṛṣṇa.