Doesn't it just work?

roboticus@swill
$ cat 761397.pl
#!/usr/bin/perl -w
use strict;
use warnings;

sub morf {
        my ($tester, $testval, $true_word, $false_word) = @_;
        $tester->($testval) ? $true_word : $false_word;
}

sub se {
        my ($val) = @_;
        sub { $_[0] eq $val}
}

my $fr = se('M');

for my $FL (split /|/, "MNLOP") {
        print "FL=$FL, MORF=", morf($fr, $FL, 'Male', 'Female'), "\n";
}
roboticus@swill
$ ./761397.pl
FL=M, MORF=Male
FL=N, MORF=Female
FL=L, MORF=Female
FL=O, MORF=Female
FL=P, MORF=Female
Male
Female
Male
[download]