I’m afraid it’s all about your genes. Some are just programmed to live longer so age at a slower rate.
Genes play a part for sure but you're incorrect to say 'it's all about genes'.
No way.
My grandmother lived healthily till she was a few months short of 100. She literally died of old age, had no conditions, and was mentally fully aware. She was deaf & walked slowly. She lived a largely healthy life and was certainly fortunate not to get any terminal illnesses earlier. She was active & engaged in her community till nearly 90. From then, less so.
My mother looks really well, age-wise, great skin for her age (71), like my DGM, so obvious genetics at play.
But following some I'll health, grief, depression, she is much less active & engaged than my DGM was at a similar age. There are some physical reasons for this (she had a bad fall & bone break some years ago) but a lot is she has given up. Her mood is low. She has no interest in exercise or fitness. She has a plethora of related issues eg stiffness, back pain, some weight around her middle (she's otherwise slim)
Thankfully overall she's well. But she had chosen not to make the most of these years.
It's not genes. She's not actively investing in her physical well being.
At 45 I'm very active & exercise intensively. There is no guarantee that I won't get sick from something else, and it doesn't mean I'll live till 100. But in my present life, I'm doing all I can to be fit & well, physically & mentally.