I know of two SciFi stories that relate to life in Saturn's rings.
The first is Footfall, by Larry Niven and Jerry Pournelle, in which the alien Fithps make a fueling stop at Saturn. In the process, their ships' exhaust creates a kink in Saturn's ring, which was seen by Voyager 1 but not understood. The Fithps are from another star system, so in this case the life in Saturn's rings is transient.
The other story appeared (I think) in Analog--unfortunately, I don't recall the title or author(s). Humans are mining the rings of Saturn, and the short story takes place at a bar (of course!) orbiting the planet. The rings are said to have formed from a moon that was torn apart by Roche forces, but before it disintegrated, life evolved to the stage of worms in the moon's ocean. All new miners are subject as part of their initiation to drinking a cocktail made with ring ice, in which there is a frozen worm. As it turns out, while there were worms, they're rare, and the "worm" in the cocktail is a strand of spaghetti.