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kallā
كَلَّآ
No!
idhā
إِذَا
When
balaghati
بَلَغَتِ
it reaches
l-tarāqiya
ٱلتَّرَاقِىَ
the collar bones

Kallaaa izaa balaghatit taraaqee

Sahih International:

No! When it [i.e., the soul] has reached the collar bones

1 Mufti Taqi Usmani

Never, (you will never remain in this world forever!) When the soul (of a patient) reaches the clavicles,