It can be kind of hard to tell in Lotro. There are silver and grey rings.
Gray are trivial quests that way under your level. Do not give much in the way of rewards.
Silver are quests that are just out of reach. All you need is level up once or twice. They will turn the Gold (Standard) or Flaming Gold (Epic) quests. The way most quests work is that you can take quests that are five levels above your character level. There are some exceptions. It is hardly worth talking about the exceptions at this time.
Once the quest become available to take and complete then you may have to deal with buying a content unlock or rent the content by becoming a subscriber (not applicable to expansion content). Everybody has to buy expansion content unlocks.
Unless stated otherwise, all content in this post is My Personal Opinion.