Paul told us we choose our eternity: “Wherefore, my beloved, as ye have always obeyed, not as in my presence only, but now much more in my absence, work out your own salvation with fear and trembling.” (Phillipians 2:12)

You didn’t quote a scripture when you said the Bible says every man would hear of Jesus before death, but I think you can easily see this isn’t true. It’s likely you’ve misunderstood something you read, which is easy to do in a Bible that was translated into other languages by fallable men. There have been many people who lived in primitive, isolated places that did not hear of Christ. Certainly, when He lived on the earth, only a few people saw Him or heard of Him. There were many others far away who did not, since we didn’t have modern technology to spread the word. Also, infants sometimes die, and not having language skills or knowledge, they are unable to choose to accept Christ as their Savior. A loving God will not punish an infant for dying prior to having that opportunity. Some adults never gain the intellectual or emotional level required to be accountable for their choices.

Sometimes people hear, but only with their heads, not their hearts. Many have heard of Christ intellectually, but have not received a testimony to their hearts of His divinity. Some receive that much later than when they first hear, but others never do, and only God knows who received that testimony in his lifetime. Mormons teach that God is both loving and fair, and salvation is not a random event beyond our control. Each person is treated lovingly and justly by a Father in Heaven who knows his heart and loves him.