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Past Perfect (had lived) подразумевает ДВА действия в прошлом, одно из которых произошло раньше, чем другое. Ну и где у вас два действия?

I have lived - жил и живу до сих пор
I lived - жил, но больше не живу
I had lived - жил до определённого момента в прошлом (I had lived in Moscow for ten years before I moved to New York).

Jim has lived there is present perfect. This describes a past action or event with present consequences
Jim lived there is simple past or preterite. This describes an action or event which took place in the past
Jim had lived there is past perfect or pluperfect. This describes an action or event which took place before another past action or event.
Jim was living there is past continuous or imperfect. This describes an action or event over a period of time, or coincident with or interrupted by another.
Jim had been living there is past perfect continuous. This describes an action or event over a period of time which took place before another past action or event.

So you might have something like the following (true) statements.

Jim was living in South Africa when his fourth child was born.

Jim had been living in Pakistan before he moved to the United States.

Jim lived in Malaysia for three years in the 1960s.

Jim did not live in France, but he did live in Switzerland near the French border.

Jim has lived in England since his retirement and does not want to move house ever again.

"I lived in this town for 15 years" - это значит, что он там уже не живёт.
"I had lived in this town for 15 years" - а это означает, что он ещё живёт в этом городе.