If an insurance contract has a provision stating that in the event of the policy holder's death, the family of the policy holder will continue to receive the policy holder's monthly income for a period of time, this is an example of an endorsement or a rider.
Culture consists of the beliefs, behaviors, objects, and other characteristics common to the members of a particular group or society. Through culture, people and groups define themselves, conform to society's shared values, and contribute to society.
A fifth feature, shared culture constitutes a complex of distinctive elements of any ethnic groups. In the definition of ethnic groups, culture is a system of values, symbols and meanings, norms, and customs shared by the members of a group. Culture defines the way of life, which distinguishes one ethnic group from another.