Objective Settlement Consultants
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Gayle Christen,
151 W. Fourth St.
Suite 500C; Box 35
Cincinnati, OH 45202
1391 W. Fifth Ave., Suite 280
Columbus, OH 43212
PO Box 1
Covington, KY 41012

(Cincinnati Office)

(Columbus Office)

(Covington Office)

317-340-1758 (Mobile)

877-541-9388 (Toll-Free)

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I Enjoy Being a Ringler Consultant Because...

"There is a life to be lived after the settlement and I can help translate the negotiations from dollars to meeting needs, assisting the parties toward the goal of a resolution and helping the injured person find some economic certainty, a map into the future, in an uncertain world."


With more than 30 years of claims, management, settlement planning and structured settlement experience, Gayle is the Managing Consultant for the Columbus, Cincinnati, and Northern Kentucky offices.  Joining Ringler in 2002, Gayle conducts local and national seminars, attends mediations and settlement conferences nationwide. She is viewed as a valued resource by all parties, with a creative, professional, AND personal approach.


  • Commercial and Personal Liability, including complex, catastrophic cases
  • Non-Traditional (tax deferred)
  • Workers’ Compensation and Liability Transfer
  • Medicare & Medicaid issues and funding Special Needs Trusts and MSA(s) (Protecting Benefits)
  • Medical Malpractice
  • Occupational/Disability/Employment cases


Gayle’s career began in insurance as a Personal Lines Field Claims Representative for MFA Mutual in Indianapolis.

Gayle moved to Great American Insurance Company evaluating, strategizing, and negotiating highly complex cases where she enjoyed over 20 years of progressive advancement, becoming an officer of Great American in 1987. While a home office staff manager, she had the opportunity to act as a structured settlement resource designing quotes, educating staff on the use and sale of structures and personally negotiating some of the most complex cases.

She also served as a Divisional AVP, VP and Sr. Vice President at AESIC, Agricultural Excess & Surplus Insurance Company in Cincinnati. Prior to joining Ringler, Gayle served as an Associate/Broker with a prominent settlement annuity firm in Indianapolis. During her career, she has worked in Indianapolis, San Francisco, Fresno, Cincinnati, and Minneapolis/St. Paul.


  • B.A., Business, College of St. Catherine
  • Certified Structured Settlement Consultant (CSSC) designation from the University of Notre Dame
  • Chartered Property Casualty Underwriter (CPCU)


  • National Structured Settlements Trade Association (NSSTA)
  • National Alliance of Medicare Set-Aside Professionals (NAMSAP)
  • Claims and Litigation Management Alliance (CLM)
  • Chartered Property Casualty Underwriter member of the Cincinnati Chapter (CPCU)
  • Chartered Property Casualty Underwriter member of the Indianapolis Chapter (CPCU)
  • Central Ohio Self Insurers’ Association
  • E&S Claims Manager’s Association (former member)
  • Board Member of the Minnesota Guaranty Association (former member)
  • Ringler’s Leadership Team (former member)
  • Chair of Ringler’s Leadership Team (former member)
  • Kentucky Justice Association (Diamond Sponsor)
  • Ohio Association for Justice (Platinum Sponsor)

Ringler Radio Links

DRI’s Mission and Settlement Planning from the Defense Perspective

NSSTA Biography Link


YouTube Link

NSSTA Channel on YouTube

Personal Info

Gayle has three wonderful adult sons — spread across the country. She has participated in local non-profit fundraising groups and in leadership roles in organizations within and outside of the structured settlement arena.

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CPCU, CSSC, please fill out the form below. Please be sure to include all pertinent information. Gayle will get back to you shortly.