My wife grandmother made it to 102 and when she died (from an infection)it was a surprise as she was still very active and was walking everyday. Genetics and luck play also a big role.

You don't know that. It's just hypothesis.

I knew a woman that had 101 years when she died. She was vital until 99 or so, not even wearing glasses. She had a very hard life, including the fact that both her husband, only son died. So, I guess, luck is out of question for this case.

Its anybodies guess why she was living that long. Genetics for sure do not exist in vacuum and environment may activate or do nothing to your genes. You can also brute force specific genetic dissorders by taking copious amounts of vitamins.