His mother had been very unhealthy when she had been a child, and she had had problems with her health all her life.
The manager asked if his father had been healthy.
He had had heart problems.
The manager was sorry to hear that and asked how old had been they when they had died.
They had been very young. His mother had been 35 and his father had been 40.
The manager said he was sorry but he couldn't give him any life insurance.