What you lose depends on the difficulty you picked for the save slot. On the default Hard you lose everything you carry: guns, gear, ammo, SULF and loot. You wake at the Church grave with the P38 Dirk, the Wakizashi and the Father’s Shirt. Items in Church storage and Stamps are never lost, and the Amulet keeps its charge.

Difficulty settings
Difficulty is chosen when you create a save slot and only changes the death penalty. Enemy health, damage, speed and drop rates are the same on every setting.
| Difficulty | What you lose on death |
|---|---|
| Very Easy | Nothing |
| Easy | Carried SULF only |
| Medium | Unequipped loot; equipped items, hotbar items, ammo and SULF stay |
| Hard (default) | Everything you carry |
| Hardcore | The save slot is deleted |
There is no in-game option to change a slot’s difficulty later. Each difficulty has its own completion achievement, and beating the game on a harder setting also awards every easier one, except that Hardcore needs its own clear. Turning on cheats disables achievements on any difficulty. Since 0.17.0, closing the game on the death screen no longer saves your items.
The Collection Box
When you die, the Congregation puts 10% of the value you lost, SULF included, into the Collection Box at the foot of the Church steps. Pity accumulates over several deaths until you open the box. The “Have some pity” achievements need 1,000 to 66,666 SULF in one withdrawal.
Insurance
Insurance is an attachment for any gun or melee weapon (not throwables). If you die with an insured weapon, it comes back in the Collection Box with its other attachments and enchantments; the Insurance is used up.
- Price: 10,000 SULF to buy, 5,000 to sell. Ralphie, Stiffleg, the Haukland Salesman, Qiosk and Bill can stock it.
- Moving it to another gun costs a Workbench fee like any attachment.
- It does not protect a gun you sacrifice to Telia.
- Attaching Insurance for the first time unlocks Responsible Adult.
- Gamepad players could not insure melee weapons until patch 1.0.5.
Keeping your money safe
SULF in your inventory is lost on Hard and Easy. Only the Priest’s Chest stores SULF and ammo; every Priest’s Chest, including ones that appear mid-run, shares one inventory. Church vendors take payment from stored savings before your carried cash, so your bank balance drops when you shop at home.
Ways to avoid dying with your gear
- Keep the Amulet charged. It refills at the mid-area shrine, and the Gravedigger or Fex Shuen recharges it for 1,000 SULF. Activating it takes a few seconds, so use it before a fight goes wrong, not at 1 HP.
- Carry an Instant Defibrillator, a passive item that prevents a death.
- Insure the gun you have ranked up; ranks and oils are the expensive part.
- Medium difficulty keeps whatever you have equipped, which suits players who want the descent without losing a built gun.
Sources
- Telia's Support Update, 0.17.0 (Steam, 2 June 2026)Difficulty per save slot limits loss on death; Hard is the default; Alt+F4 no longer escapes death.
- BWIKI 火湖: 难度 (Difficulty), ChineseWhat each difficulty keeps; difficulty does not change enemies or drops; cheats disable achievements.
- Steam discussion: How to handle death in this game? (7 November 2026)Insurance, Amulet and difficulty advice; difficulty loss rules from players.
- SULFUR Wiki: Gameplay, Currencies, Insurance, The ChurchStarting kit, Collection Box 10% pity, Insurance rules and price.
- Steam discussion: Money not saving after death? (30 October 2026)Church shops take stored money first.
- Steam discussion: How to sacrifice a weapon? (1 November 2026)Insurance does not protect a gun given to Telia.


