Profile
Ryne Ring is director of Embedded Insurance Programs at Citadel, where he specializes in designing innovative insurance solutions for startups, platforms, marketplaces, and modern workforces. Known for challenging traditional insurance models, he has built and scaled embedded insurance programs that solve real risk transfer problems in the market.
His work focuses on solving operational and compliance challenges through usage-based insurance, master policy structures, risk purchasing groups, captives, and embedded distribution models. Over the course of his career, he has developed insurance programs for companies in the gig economy, logistics, transportation, workforce management, and software sectors, helping businesses reduce costs, eliminate administrative friction, and scale more efficiently.
Ring is particularly recognized for his leadership in the gig/sharing economy and for pioneering new approaches to contractor protection, embedded liability coverage, and contractual risk transfer. Passionate about the intersection of insurance and technology, he advocates for rethinking insurance architecture to better support modern business models and dynamic workforces.
His mission is simple: make insurance easier to access, easier to administer, and more relevant to how people and businesses operate today.
2600 W Executive Pkwy, Lehi, UT 84048
608 466 6825
ryner@citadelus.com
linkedin.com/in/ryne-ring-2418b22a
learn.citadelus.com/gig-embedded
Ryne Ring
Director of Embedded Products Citadel
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Bio
Milestones
2014–2017
2015–2018
2018–2020
2020–2023
2026
A nobody selling homes and autos
2014–2017
A nobody in a captive carrier’s internal wholesale division
2015–2018
A nobody at an insurtech startup
2018–2020
Head of Insurance at that startup, bringing it into profitability
2020–2023
IBA’s Rising Star
2026
Milestones
“By focusing on doing the best possible job for every client, they naturally tell their friends and family. That organic growth has been very rewarding”
Alan Borthwick,
DUX Financial Services
“Our goal is not to speed up transactions but to slow down where it matters, taking the time to truly understand each client’s situation and deliver thoughtful, personalised guidance”
Alan Borthwick,
DUX Financial Services
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facebook.com/summitprivatewealth
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For Borthwick, satisfaction means delivering the result the client set out to achieve while keeping the process smooth and low stress during what can be an emotional time, such as buying a home. He says his greatest strength is cutting through complexity to find the best path forward, staying calm no matter how challenging the lending scenario.
While he has celebrated plenty of loan approvals that others said could not be done, the achievements that mean the most are different. What stands out most to him is helping clients pay off their mortgages far faster than they expected. “Seeing the real difference this makes to their financial freedom and peace of mind is incredibly rewarding,” he says.
Looking ahead, the targets are not about volume. Borthwick is aiming for higher client satisfaction and stronger long-term financial outcomes, with an ambition “to be known as the adviser clients can rely on for calm, considered advice in an increasingly digital world.”
It is an approach summed up by the team’s shared commitment: clear, practical mortgage and financial advice that reduces stress and builds lasting financial resilience for New Zealand families.