Borderlands Wiki
Borderlands Wiki

Front Loader is a legendary shield in Borderlands 3 manufactured by Hyperion. It is obtained randomly from any suitable loot source but has an increased chance to drop from Private Beans on Athenas.

Special Shield Effects

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. The Front Loader is also often combined with the Bloodletter class mod to provide much higher survivability.

Moze is a notable user of Front Loader due to her Shield of Retribution skill tree focusing on shield benefits. Zane can also use it effectively, due to his Under Cover skill tree focusing on enhancing his shield and granting him buffs for keeping his shield charged.

The Front Loader is most often used with the "While under 50% health, deal 150% bonus radiation damage" anointment, granting the character 150% bonus damage at all times. Builds that utilize this strategy are often glass cannons, forgoing an artifact that grants more survivability for much higher damage.

The Deathless artifact is a popular choice when using the Front Loader, as the downside of having less health while using the Front Loader is somewhat negated by the much larger shield capacity, even if the character's already low health is reduced even further.


  • Reserved health cannot be healed and is displayed on the health bar.
  • Moze's Thin Red Line skill has an identical effect. The Deathless artifact has a similar effect. These effects can all stack with each other.
  • A Front Loader with the Last Stand prefix grants invulnerability for 5 seconds whenever the character takes any damage, with a 40 second cooldown. The cooldown on this invulnerability can be bypassed by unequipping and reequipping it.


  • 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?".