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.
Ethnocentrism, however, is distinguished from xenophobia, the fear of other strangers. Ethnocentrism often entails the belief that one's own race or ethnic group is the most important and/or that some or all aspects of its culture are superior to those of other groups.