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.
Morris Ginsberg defines society as a collection of individuals united by certain relations or mode of behavior which mark them off from others who do not enter into these relations or who differ from them in behavior. Cole sees Society as the complex of organized associations and institutions with a community. According to Maclver and Page society is a system of usages and procedures of authority and mutual aid of many groupings and divisions, of controls of human behavior and liberties.