Mr. Bullock provided invaluable guidance to me as counsel from the point of his involvement. Drawing on his wealth of experience he was able to provide me with approaches to the case that would not have occurred to me. Mr. Bullock provided me with a compelling expert opinion in a timely manner. He was generous with his time even after delivering the report. Mr. Bullock demonstrated a tremendous depth of knowledge in this life insurance case. I only regret that I had not consulted with him earlier in the case.
David Grunder, Vancouver
Jim Bullock provided me with a well thought out and carefully drafted Expert Opinion in a case I brought on behalf of a widow that was sold the wrong life insurance product by a life insurance salesman.
The case settled short of trial for 100 cents on the dollar totally due to Jim’s excellent expert opinion.
I have no hesitation in recommending Jim as an expert.
Joseph M. Prodor, Esq., British Columbia
I began my career as a litigation lawyer dealing with life insurance cases almost 40 years ago. From the moment of my exposure to that world, Jim Bullock’s name was at the forefront of people knowledgeable in that world which can be technical and complicated. Since then, Jim has repeatedly surfaced in complex life insurance matters where his expertise has been welcomed again and again.
I have no hesitation recommending him.
Peter Griffin, Toronto
I retained Jim on a complicated life insurance claim. He was able to assist in educating me with respect to weaknesses in the position of both the broker and insurer. He provided a report which assisted me in getting a settlement for my client in a case where recovery seemed doubtful.
Malach, Fidler, Sugar & Luxenberg
When my clients have problems with life insurance, I call Jim
Jim wrote the book……
Jim Bullock can assess policies, players and problems
His reports are golden.
Estate Attorney, Author and Certified Specialist in Estate and Trusts Law
Mr. Bullock was available for telephone consultations whenever necessary, and also reviewed expert reports from defendants and provided suggestions for a rebuttal. His involvement in the early stages of our litigation was very helpful, and I would even recommend retaining him for a consultation before examination for discoveries to assist in preparing for a case. I would use Jim Bullock again in the future.
Lee & Associates, Personal Injury Lawyers
I retained Jim Bullock as an expert on a broker’s negligence case involving a travel insurance broker. The case was not easy as there had been an inadvertent failure by the client to disclose pre-existing condition. Jim’s report provided a thorough, in depth and insightful analysis regarding the broker’s standard of care and how it was breached.
Jim also provided invaluable guidance in building the case from discovery questions through to presenting our case on liability at settlement discussions. We were able to achieve a good result for this client, based on Jim’s input.
In other cases, Jim has frankly told me he is not the right expert, or that he cannot support liability. I trust Jim to give me an honest assessment of any case he reviews.
Timothy Leigh-Bell, Mississauga
I have used Jim’s services in the past.
To best understand the dynamic between an applicant for insurance, the insurance agent or broker and the insurer requires expert assistance.
Jim was able to provide that type of expertise.
With that expertise, the issues involved become clearer and easier to understand.
Tony Lafazanis, Toronto
Jim assisted me as an expert with a couple of files. One involved a Universal Life Policy, and the other involved the administration of a benefits plan. In both instances, it was great to have Jim on our team as an expert with a significant depth of knowledge and great insights.
I was able to move forward with both cases with confidence with Jim’s support. It is great to get Jim involved early on in the process to assist with understanding and identifying the issues when drafting pleadings, and then to provide guidance with the discovery process.
I welcome the opportunity to work with Jim again, and highly recommend him to anyone needing someone with his expertise.
Todd C. Hein, Partner, Lockyer + Hein LLP
Jim has extensive experience in the realm of life and disability insurance having qualified as a licensed insurance agent in Ontario in 1972, and he continues in this capacity to this day, currently in his position of President of Gold Cross Insurance Agency.
I am not one of Jim’s clients. I am, however, a beneficiary of his vast store of knowledge relating to insurance claims, and more to the point, the denial of such claims. I have consulted with Jim on numerous occasions and have benefited from his approach to identifying potential errors committed by insurance agents in the application process.
I have learned a great deal from Jim around both the practical and theoretical underpinnings of insurance applications. He has educated me as to what to look for when assessing a potential wrongful insurance denial. I have also found Jim to be readily accessible when I have questions around a potential claim.
Jim has proven to be an effective expert in the litigation process. He has been approved as an expert in the Superior Court of Ontario. This is a critical component of what Jim has to offer to his lawyer clients, for obvious reasons. I have found Jim’s expert reports to be well-written and compelling.
I would not hesitate to recommend Jim to a colleague looking for an extremely informed assessment, and strong opinion, concerning the denial of either a life or disability insurance policy.
Stephen E. Sloan
Jim assisted me on a legal action where he carefully crafted the questions to be asked at an examination for discovery.
Jim has always been ready willing and able to provide immediate assistance with any difficulties I have had in the litigation process. I have no hesitation in recommending him as an expert in the field of life insurance litigation.
Arron Lang, Toronto
Mr. Bullock provided an expert opinion in relation to the breach of standard of care of an insurance agent, and the insurer, in issuing a life insurance policy. The insurance agent negligently delayed the delivery of a life insurance policy and did not offer temporary insurance, and the insured passed away one day before the insurance agent was to deliver the policy to the insured.
Mr. Bullock’s report was thorough and easily understandable and assisted in settling the file in favour of the widow and children.
We recommend Mr. Bullock as an expert and suggest that counsel seeking his expertise contact him as early as possible in the litigation, preferably prior to discoveries. His experience, and familiarity and insight as to the insurance industry, is invaluable at each stage of litigation involving insurance companies, brokers, and insurance agents.
Emilio Bisceglia, Bisceglia & Associates
I met Jim Bullock because my clients, who were suing for misrepresentations made when they were sold universal life insurance over 12 years before they retained our firm, introduced me to him as a result of their research.
The case seemed straight forward, or so I thought. Fortunately, I retained Jim near the beginning of the case. His knowledge of the insurance industry is second to none that I have met. It took some time, but he educated me on all the intricacies of Universal Life insurance. It was then clearer to me that the misrepresentations could not be understood by a judge unless the interrelationship of the various insurance factors, such as interest rates, mortality rates, the difference between term and whole life, and a few others that result in this product, were understood.
Jim also directed me to various regulations and forms that were required to be completed that demonstrated the significant breach of duty by the agents and the insurer. This type of litigation is complex and involves major law firms that are paid well to defend every step of the way. He assisted in preparation of discovery questions and assisted in my understanding of insurance documentation and information. He was able to explain what notations and codes on documents meant and he has the ability to teach and therefore simplify so that information was easily understood. These are the hallmarks of an excellent expert witness.
In the first case we worked together, just the weekend before a scheduled 4 week trial, the insurer delivered many pages of documents and as well, on a CD, the illustrations of how the insurance policy would pay off over time. The data could only be run on outdated software. Jim had the software. He ran the illustrations and demonstrated that the policy switch went form a no lose policy to a high risk policy, bound to fail with lower rates. He assisted with the theme development of the file. By the time the opening was delivered I felt totally confident that I understood every wrinkle and nuance and we had nothing to hide so we would tell it all in day long opening. The case settled that night.
We have worked on other cases together. He has the ability to get to the issue and provide focus for the necessary evidence and documentation that should be available.
Needless to say, I highly recommend Jim Bullock.
Melvyn L. Solmon B.A. Sc,. LLB, LLM (Harv)
Solmon Rothbart Goodman
Jim’s expertise and insight provides considerable value at all stages of a claim. A call to Jim early on in the life of a file can help identify issues, assess strengths and weaknesses, and prepare counsel and clients for examinations for discovery and beyond.
Aaron Waxman & Associates