Just like a paper boat floating in water can be destroyed any moment, similarly this human body can be destroyed any moment. However, if we take shelter of Krishna, we can go beyond this ocean of material existence.
Holy name alone is sufficient to take you back home back to godhead. However to cultivate the mood of surrender You need a Guru.
By surrendering and praying for the causeless mercy of the Lord, the devotee can progress on the path of complete self-realization
Srila Prabhupada’s purport on Sri Isopnishad Mantra 18
One only has qualification to receive instruction from guru where one surrenders.
Surrenderance is the substance of devotional service.
It is My vow that if one only once seriously surrenders unto Me, saying “My dear Lord, from this day I am Yours,” and prays to Me for courage, I shall immediately award courage to that person and he will always remain safe from that time on.