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.
Shared beliefs, values, norms, ideas, institutions, and organizations that create a common identity among a group of people is referred to as: culture. An item believed to have acquired transcendent or magical qualities connecting humans with the divine is known as: totem.