Warm female appears in a moral tale (7)
I believe the answer is:
affable
'warm' is the definition.
(I've seen this before)
'female appears in a moral tale' is the wordplay.
'female' becomes 'f' (common abbreviation).
'appears in' is an insertion indicator.
'moral tale' becomes 'fable' (I've seen this before).
'a'+'fable'='afable'
'f' placed into 'afable' is 'AFFABLE'.
(Other definitions for affable that I've seen before include "Polite and friendly" , "benign" , "Good-natured, sociable" , "Kind and friendly" , "Congenial, easy to walk" .)