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.
Social consensus, order and integration are key beliefs of functionalism as this allows society to continue and progress because there are shared norms and values that mean all individuals have a common goal and have a vested interest in conforming and thus conflict is minimal.