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.
Society's values are simply evolving, not deteriorating. Old people, mostly, think that society's values are deteriorating, because they're used to how it used to be, back in the day. Each person's definition of values differs.