..... you can always go the Star Trek Insurrection way, and make the rings beneficial to the planet, by decree.
I mean, it's your writing, and if you write it, it'll be.
from my knowledge of astrophysics, I can tell you some things:
-the gravitational pull from the rings would be negligible compared to that of the planet, which, would have a considerable gravity by itself if it's able to hold said rings, so, *tectonic activity*. Massive. And, lots of it. Forget life and civilization.... you'd have rim world survival at best.
-light from the sun would be blocked but only in a narrow area, depending on the inclination of the planet's orbit, and that would shift as the planet orbits around the sun, so you'd have overlapping seasonal changes: traditional winter/summer cycles, and light/shade cycles.
-if the atmosphere is breathable (assuming it's not a giant planet with massive quakes or volcanic eruptions, therefore, low CO2) life would have to be related to the rings' and soil composition.... so, if the rings are rocky, that means the soil is also rocky (because, if the rings were formed by projected planetary mass due to asteroid strikes, they would be related, and if the rings were formed by orbiting asteroids, then it's likely that some of that material fell down to ground and mixed with the soil), and if the rings are silicate then the soil is also silicate. Tie that to the orbit, and you'd have a stripe of land under the ring's plane that is more rocky or more silicate, therefore, plants or fungi.
all of the aspects add something and take something away.
if you have massive gravity, you wouldn't have big lifeforms, because, you can only go so far with bones and muscles.
if you have a thick atmosphere, you wouldn't have plants, but you'd have fungi.
set one aspect to be fixed, and work around that.... or, just write it "by decree" and call it a day.
I think I heard of another work that is based on a planet with rings, and the author did try to make it work, and found some interesting solutions through playing with gravity.
let me see if I can find it in the massive expanse that is the internet lol
(here's an interesting discussion about planetary rings, from Voyager)
one explanation to the existence of that planet would be...... Delta quadrant.
as in, *large unexplored region of space, that is protected by a demigod guarding a wormhole spanning half the galaxy, populated by a race of cyborgs that are at war with a race of giant cockroaches, that has a planet with a liquid life form that copies everything it touches, and another planet that spins so fast, that time moves at a different speed.*
ssssooooo....yeah.