The theory that states that there is a natural limit to the human life expectancy and that people simply begin deteriorating around 85 years of age is called

Ageing theory

Explanation:

Ageing in human occur due to accumulation of changes in the body such as physical changes, psychological changes over time reducing their chances of surviving. Ageing theory talks about how ageing will happen and how it will affect a number of persons and that life has an expectancy within which determination sets it. It was believed in 1900 that man is immortal having their cell always dividing but Ageing theory capture that over time biology has made in clear in their theories that ageing will set in when the cells can no longer actively divide leading to deterioration.

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explanation:

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the pronoun reference replaces a noun, but you have to make sure there's no room for confusion.

in the first sentence "her" could be referring to shely or to the sister. the answer there is "shelly called her sister and told her about the new baby."

in the second sentence "it" could be referring to the roof or the floor. the answer there is "since the roof leaks on the family room floor, we need to repair the roof."