The cross provides salvation benefits that are already secured but not yet fully experienced; eternal life is a present possession with a future fullness.

Mike refines terminology: he prefers "provided for you because of the cross but not yet fully experienced" over "finished." Eternal life is the primary example — a believer has eternal life now (right of access to God's presence through Christ's substitution), but the fullness of that life in glory — when God himself is our light and we are with him in ever-greater capacities — lies ahead. The already/not-yet distinction governs how cross-benefits are understood.