I'm not exactly sure.Quote from A W Tozer describes the same thing.
Savior But Not Lord?
In the New Testament salvation and discipleship are so closely related as to be indivisible. They are not identical, but as with Siamese twins they are joined by a tie which can be severed only at the price of death.Yet they are being severed in evangelical circles today. In the working creed of the average Christian salvation is held to be immediate and automatic, while discipleship is thought to be something optional which the Christian may delay indefinitely or never accept at all
It is not uncommon to hear Christian workers urging seekers to accept Christ now and leave moral and social questions to be decided later. The notion is that obedience and discipleship are unrelated to salvation. We may be saved by believing a historic fact about Jesus Christ (that He died for our sins and rose again) and applying this to our personal situation. The whole biblical concept of Lordship and obedience is completely absent from the mind of the seeker. He needs help, and Christ is the very one, even the only one, who can furnish it, so he takes Him as his personal Savior. The idea of His Lordship is completely ignored.
A. W. Tozer
Does a person have to hold Christ as his Lord to be saved? Yes, of course.
That is repentance and belief. You cannot serve two masters. Repentance and belief are components of faith. They are two sides of the same coin. One must repent (turn from) and believe (turn towards).
But does a person have to surrender every aspect of his life in order to be saved? No. We wrestle with the flesh, and even fail without Christ being less than Lord.