Can the multiplier factor and minimum protection level (MPL) age option be changed during the policy term? Faith, your friendly assistant October 31, 2023 16:00 Updated The multiplier factor and minimum protection level (MPL) age option cannot be changed after the policy is issued. Related articles What happens if there is a change in sum insured? What is the definition of Total and Permanent Disability (TPD)? Will the minimum protection level (MPL) amount remain the same throughout the policy term? What are the key features of FWD Life Protection? Can the policy owner request for a partial surrender?