This means that the star’s solar system at that point has sufficient quantities of heavy elements which cannot be produced by stellar fusion, as these elements are produced by super novae and from solar radiation.
Basically all the neutrons that are produced when a star goes boom create the elements that are above iron in the periodic table.
I suspect that the claim that life as we know it can only evolve there is because life as we know it needs a wide variety of chemical elements. We need carbon and oxygen, of course, but also iron and calcium and magnesium and potassium and so on. You're not going to get that around a first generation star. You might not get enough of it around a second generation star.
And most importantly first gen stars can’t form planets other than gas giants and even gas giants are questionable because our current understanding that other than a few failed stars these also usually require a heavy element core as a seed.
2nd gen stars are a possibility in a region of space that had a lot of 1st gen stars to nova and there might be sufficient amount of heavy elements already there to form a solar system.
So unless life can form from hydrogen, helium, lithium and beryllium then no life in 1st gen stars.
2nd gen is highly dependent on the region of space although I would posture that any region active enough to create sufficient amount of heavy elements would probably remain too active during the 2nd generation for life or at least complex life to form.
Due to our physical laws elements with larger rooms for reaction via chemistry are familar.
The chances of a replicating agent just anthropologically emerging from the surface of a 2nd generation hydrogen dominant star with an accumulation disc composed of little higher orders elements is inconceivably less likely than the relative petri dish organic molecules provide.
Second, you're ignoring the fact that life as we think of it can really only evolve around at least 3rd-generation stars because you need enough heavy elements. That cuts the age of the "life-capable" universe by at least half, so the window of relatively modern life on earth with respect to the age of the life-capable Universe really isn't that small... let's say 350My out of 7Gy, so about 5%.