Doesn't this mean he lived a really bad life if he came back as a bug?
Not really, Buddhism belief if the deceased have a strong desire in life, he may reincarnate as an insect to cling to the object of desire in his past life.
It's been exactly one year since my husband died...Uuuuugh...I still haven't been able to recover from my grief.*sniff*I just can't live without you, Sou...Sou...