Disclosed is a substantive emulsion and methods for its use comprising 40 to 45% by weight of water, 25 to 30% by weight of a combination of octocrylene, avobenzone, octisalate, homosalate, and oxybenzone, and 3 to 5% by weight of a combination of VP eicosene copolymer, acrylates/C12-22 alkyl methacrylate copolymer, trimethylsiloxysilicate, and acrylates/dimethicone copolymer, wherein the emulsion has a sun protection factor of at least 50, and wherein the emulsion is very water resistant.