Dr naik commentary on those verse:
When the Jews came to the Muslims to have a confrontation, they said the last home with Allah, i.e. paradise, is especially meant for the Jews only and not for anyone else.
The Qur’an ask the Jews to seek death, if they were sincere and spoke the truth. The Qur’an continues and says that they (the Jews) will never seek death, because of the sins that they have committed. The only thing that Jews had to do at the time of Prophet (Pbuh) in order to win the argument and to prove the Qur’an wrong was to call for their own death. Even if any one of the Jews would have opted to say, "I beseech the Lord for my death" just for namesake, not that he actually had to die, the Qur’an would have been proved false. It was so easy to prove the Qur’an wrong. (http://www.irf.net/irf/dtp/dawah_tech/ques20i.htm)
So according Dr naik This Test is based on 2 assumptions about the Jewish belief:
1.Jews Believe that Heaven is just For Jews.Gentiles (Non-Jewish) Won't Enter Heaven.
2.Jews Believe that As long as you're a Jew you will enter Heaven immediately,regardless to your good or bad deeds.
Are those assumptions true?
Is Heaven only for Jews?
'Anyone who accepts upon himself the fulfillment of these Seven Mitzvot and is precise in their observance is considered one of the Pious among the Gentiles and will merit a share in the World to Come. This applies only when he accepts them and fulfills them because the Holy One, blessed be He, commanded them in the Torah and informed us through Moses, our teacher, that even previously, Noah's descendants were commanded to fulfill them. However, if he fulfills them out of intellectual conviction, he is not a resident alien, nor of the Pious among the Gentiles, but rather, of their wise men.'(Rambam's Hilchos Melachim 8:11)
(For more reading about the 7 laws of Gentiles see here: http://www.noachide.org.uk/html/seven_laws.html)
So the answer is no - according to Jewish belief the righteous of all nations will enter Heaven.
Is Jews Enter Heaven,regardless to his bad deeds?
Certain sins are punished by the sinner being "cut off from his people." See, for example, Gen. 17:14 and Ex. 31:14. This punishment is referred to as kareit (kah-REHYT) (literally, "cutting off," but usually translated as "spiritual excision"), and it means that the soul loses its portion in the World to Come.
Nevertheless, we definitely believe that your place in the Olam Ha-Ba(World to come) is determined by a merit system based on your actions, not by who you are or what religion you profess.
So Jews don't have insurance policy to Enter Heavens!
This whole Test,that Muhammad did to Jews was based on his false knowladge of the Jewish belief!
Moreover There's a big diffrance between the 2 religions about where to focus:
Judaism is not focused on the question of how to get into heaven. Judaism is focused on life and how to live it.