"Yes, actually. My mother was very unhealthy when she was a child, and she had problems with her health all her life."
"And was your father healthy?" the manager asked.
"Not really, he had heart problems."
"I'm sorry to hear that," the manager said quietly. "How old were they when they died?"
"Oh, they were still very young. My mother was thirty-five and my father was forty."
The manager sighed. "I'm sorry, sir," he said, "but I can't give you any life insurance."
Переведите в косвенную речь

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.