You could always use a little more life insurance – Reserves 60% of maximum health and returns it as shield capacity.
Usage & Description
The Front Loader sports a high shield capacity alongside the health-to-shield conversion, giving the character a more durable shield that is easier to recover than health. However, the reduction in health can lead to sudden cripples if heavy shock damage is taken.
Zane can be a notable user of the Front Loader, due to his Under Cover skill tree focusing on enhancing his shield and granting him buffs for keeping his shield charged.
When the Front Loader is equipped, it is not possible to heal the reserved health, and the HUD will show the user's health at 40% even at max health, so long as the shield is equipped.
The flavor text is a reference to the 1993 fantasy comedy film Groundhog Day with the full quote being: "Do you have life insurance, Phil? Because if you do, you could always use a little more, I mean, who couldn’t? But let me tell something–I got’s a feeling you ain’t got any. Am I right or am I right or am I right?".