The latest science would disagree I think. It's more about epigenetic expression. Environment seems to play a greater part than genetics. Studies on twins have borne this out.

Sure, inheriting great genes is at definite advantage, but even those so called unlucky ones, can still manifest how the epigenome expresses their genes in such a way as to affect their lifespans substantially. Witness the studies done on identical twins with different lifestyles.

That's my overly worded way of kindly saying that you're not quite right.