Umbrella Urban Protect Ultra Light Emulsion SPF 50

In formulas, it's always paired with a separate UVA filter because octinoxate solely protects skin from UVB.

Because it's an oil-soluble liquid, it's easy to blend into the oil phase of lotions/creams and gives a cosmetically elegant feel.

The one quirk about formulating this ingredient is photostability; the molecule slowly changes shape into a less effective version when sunlight hits it. So the longer you're in the sun, the weaker its protection gets. The drop can be more than 30% in some formulas.

It also doesn't play nice with Avobenzone (the common UVA filter) since avobenzone destabilizes octinoxate and the two degrade each other. But don't worry: brands have solved this issue by adding photostabilizers like Tinosorb S to prevent degradation and keep SPF stable under heavy UV exposure.

The maximum allowed level is 10% in the EU and Australia, 7.5% in the US and Canada, and 20% in Japan.

The Cosmetic Ingredient Review Panel has concluded this ingredient to be safe in cosmetics up to 10%.

One last thing worth knowing for context:

Octinoxate has been the subject of ongoing review in Europe where the Scientific Committee on Consumer Safety's (SCCS) 2025 final opinion is that this ingredient is an endocrine-active substance.

Lab and animal studies suggest it can act a bit like a hormone in the body (mildly mimicking estrogen and slightly blocking male hormones). It's important to know this hasn't really been shown to happen in everyday human use.

This ingredient is also banned in Hawaii over coral reef concerns.

This ingredient is commonly used to enhance both UVB and UVA protection due to its unique property in stabilizing avobenzone. It also pulls double duty by boosting water resistance and giving formulas a smooth, spreadable feel.

The EU's Scientific Committee on Consumer Safety (SCCS) has deemed octocrylene to be safe as a UV-filter at concentrations up to 10% (capped at 9% in propellant sprays). The US also permits it up to 10%.

Two things worth knowing:

You'll usually see this ingredient used in concentrations between 2-10% (higher amounts when used as a stabilizer for avobenzone).

Though this ingredient works well with most skin types, some people with sensitive skin may experience a reaction such as allergic rashes, closed comedones, or itchiness.

Because they mirror the lipids naturally found in the deeper layers of your skin, topical phospholipids help reinforce the lipid matrix, reduce transepidermal water loss, and leave skin feeling conditioned.

They're also used to form liposomes, or tiny self-assembling vesible used to stabilize actives like vitamin c or retinol. This helps these ingredients integrate into the upper layers of skin more easily.

Phospholipids are compatible with everything and the CIR Expert Panel has concluded them to be safe at current use levels.

Some types of phospholipids include:

On a cellular level, it disrupts the cell membranes of microbes by poking holes that make the cell leak. This shuts down the chemical reactions the microbe needs to make energy so it can no longer survive.

Another perk of this ingredient is that it stays functional across a wide pH range (3-10).

You'll often see it paired with boosters like Ethylhexylglycerin; one study showed that a 1:9 ratio of Ethylhexylglycerin to Phenoxyethanol damages bacterial membranes as effectively as doubling the Phenoxyethanol concentration on its own.

Typical use concentrations range from 0.3-1% depending on the formula, and this ingredient is capped at 1% int the EU.

Safety-wise, the fear mongering does not hold up to the evidence. The EU's Scientific Committee on Consumer Safety and FDA consider it safe as a preservative at up to 1%, including for children of all ages.

Adverse systemic effects only showed up in animal studies at exposures roughly 200x higher than what people get from cosmetics. And despite its very widespread use, this ingredient is a rare sensitizer and allergic reactions are uncommon.

The EU and UK have banned this ingredient in cosmetics since 2020. A separate EU REACH (Registration, Evaluation, Authorisation, and Restriction of Chemicals) rule caps D4 as a trace impurity at under 0.1% in any cosmetic.

In September of 2025, the US EPA's draft TSCA risk evaluation that came out in September 2025 preliminarily found D4 poses "unreasonable risk to human health and the environment". This could lead to restrictions in the next year or so.

The safety profile of this ingredient is reassuring; the US CIR Expert Panel concluded D5 is safe as used in cosmetics and Health Canada concluded that D5 is not harmful to human health or the environment as currently used in cosmetics

There's a study that people mention about D5 in a rat study showing tumors. This study is related to long-term inhalation of high D5 levels.

Regulatory bodies have judged this study to be not applicable in topical skincare since skin absorption of D5 is very low and we're not really inhaling huge amounts of D5.

The only restriction for this ingredient is environmental. The European Chemicals Agency (ECHA) restricted D5 in wash-off cosmetics at or above 0.1% due to their persistence in water.

The UVA-2 gap is something that a lot of older UV filters miss; UVA-2 is a deep-penetrating, aging and pigmentation-driving, wavelength that you can't feel (it doesn't burn the way UVB does).

When paired with UVA-1 filters, Tinosorb A2B is able to give a "boosting" assist as well.

More cool things about this ingredient? It's highly photostable and has high SPF performance at low concentrations.

That photostability matters because plenty of older filters degrade as you wear them; this one stays put and even helps stabilize the other filters around it.

A 2015 study found this ingredient delivers about 2 SPF units and 1 UVA-PF unit per percentage used, with SPF and UVA protection holding steady after two hours under a solar simulator.

Safety-wise, it's been formally reviewed and cleared. Both the EU and Australia approve it as a UV filter up to 10%.

Because it has a high molecular weight, significant absorption through the skin is quite low and there has been no evidence of phototoxicity or photoallergenicity in a human study on 53 subjecfts.

You won't be able to find this ingredient in the US yet due to FDA regulatory backlog.

Because it has a neutral charge, it is compatible with a wide range of ingredients and stays stable across a broad pH range/water hardiness conditions.

Patch testing has shown it to have the lowest irritation potential among common cleansing surfactants (like SLS).

Typical use levels range from 5-20% in rinse-off cleansers.

One thing worth knowing: The American Contact Dermatitis Society named the parent family, alkyl glucosides, "Allergen of the Year" in 2017. The prevalence of allergy is pretty low but be sure to patch test if you've reacted to "gentle" or sulfate-free cleansers before.

This ingredient is fungal acne safe because the fatty alcohol portion of this ingredient is not within the C11-24 chain length that Malassezia can metabolize.

Xanthan gum is a pretty common and great ingredient. It is a natural, non-toxic, non-irritating ingredient that is also commonly used in food products.

Hydrogenated Polyisobutene is often used as a mineral oil replacement.

The 23 refers to the number of repeating ethylene oxides in the molecule.

As a surfactant, isopentyldiol is a hydrotrope. Hydrotropes help surfactants (cleansing agents) dissolve into water.

According to the manufacturer, using this ingredient with sorbitol boosts skin hydration and helps close cuticles of damaged hair.

This ingredient is water-soluble.

PMMA is also able to enhance the texture of products by add a smooth feel.

The Cosmetic Review Expert Panel has concluded the alkyl benzoate group to be safe as used in cosmetics; it wasn't found to be a skin irritant and unlikely to be absorbed due to its low water solubility.

This report recorded almost 1000 reported uses with concentrations up to 59% in leave-on products but your cosmetics will typically use 0.5-15% depending on the product.

It's often called a "SPF booster": this is because it keeps UV filters properly dissolved and evenly distributed to support a sunscreen's performance. It doesn't actually raise SPF on its own.

Overall, this ingredient is well tolerated.

This ingredient is fungal acne safe because it is an ester of benzoic acid.

Think of this ingredient as two parts stuck together: an oily part and an acid part. Malassezia only gets a meal when it can snip off a fatty acid to eat. With C12-15 Alkyl Benzoate, the acid part is benzoic acid, which isn't a fatty acid and which the yeast can't use as food.

Benzoic acid is actually used as a preservative to stop yeast from growing.

The oily part is a blend of C12-15 fatty alcohols but fatty alcohols in this size range can support only a little Malassezia growth (mostly for one species of Malassezia as well).

In the ingredient, those alcohols stay locked inside the molecule. The yeast can only reach them by snipping the benzoate bond, and that type of bond is harder for it to cut than a normal fatty bond.

So not much gets released. And whatever does get snipped comes packaged with benzoic acid, which discourages yeast growth.

This ingredient has been found to be safe as used in cosmetics, wasn't a skin or eye irritant in clinical patch testing, and wasn't phototoxic.

In a clinical comedogenicity test, this ingredient tested negative so it isn't likely to clog pores.

Typical use levels are about 5-8% for sunscreens + nail products, but can range from 0.005%-8% depending on the product.

Dimethicone comes in different viscosities:

Depending on the viscosity, dimethicone has different properties.

Ingredients lists don't always show which type is used, so we recommend reaching out to the brand if you have questions about the viscosity.

This ingredient is unlikely to cause irritation because it does not get absorbed into skin. However, people with silicone allergies should be careful about using this ingredient.

Note: Dimethicone may contribute to pilling. This is because it is not oil or water soluble, so pilling may occur when layered with products. When mixed with heavy oils in a formula, the outcome is also quite greasy.

This ingredient is volatile which means it will mostly evaporate (but it evaporates slower than older cyclomethicones, like Cyclotetrasiloxane).

Typical concentration ranges from 1-30% depending on if it's being used to tweak the feel of a product or acting as the main emollient.

Polymethylsilsesquioxane has not been shown to clog pores. It has been deemed safe to use up to 55%, but most cosmetics use much less.

If you have concerns about using this ingredient, we recommend speaking with a professional.

One of its best party tricks is photostability; it doesn't break down with repeated sun exposure and doesn't generate free radicals in the process either. You'll also see it paired with wobbly filters like avobenzone because it helps stabilize them.

The safety profile is assuring as well. Because it's a large molecule, it doesn't easily absorb into skin and rarely causes irritation.

It's approved in the EU, Asia, and Australia up to 10% and most formulas land somewhere in the 2-10% range.

You won't find it as a sunscreen active in the US, but it can make an appearance as a formula-protecting UV-absorber.

The CIR Expert Panel has confirmed this ingredient to be nontoxic and clinical studies show no sensitization at cosmetic use concentrations.

True allergic reactions are quite rare: a 15-year retrospective study of 6,751 patients found only 0.31% had a positive reaction (and less than half were considered clinically relevant).

It seemed that when sensitization does occur, it's most commonly linked to topical medication (like corticosteroids) and not cosmetics. Allergic contact dermatitis also appears largely limited to individuals with underlying skin conditions.

Overall, propylene glycol is a well-studied ingredient that most people can tolerate without issue.

Another pro?

It's exceptionally photostable, barely degrades in sunlight, and acts as a "bodyguard" for less stable filters.

That's why you'll see it paired with avobenzone or octinoxate; this team up ensures they keep working through sun exposure.

Safety reviews have been reassuring across the board. This ingredient shows low absorption through the skin, rarely irritates, and lab studies found it doesn't act like a hormone in the body (a concern that's been raised about some older sunscreen filters).

On maximum concentrations:

In 2026, the US F.D.A finally added it as an OTC sunscreen ingredient at concentrations up to 6% for adults / children 6 months and older

Sodium Laureth Sulfate is a type of sulfate. It can be drying. We recommend speaking with a professional about using this ingredient if you have concerns.

Human patch tests with a facial lotion containing 1% of this ingredient found no sensitization.

This ingredient is biodegradable and commonly available in natural/COSMOS-certified grades.

Though it can't kill microbes on its own, it works as a good supporting agent when combined with other preservatives like Phenoxyethanol or 1,2-Hexanediol.

This ingredient naturally occurs as piceol in Norwegian spruce needles (~0.4-1.1% dry weight and in cloudberries). Though the cosmetic-grade material is synthesized for purity and consistency.

You'll usually see it used at low levels and suppliers recommend up to 1% added to a water phase.

Safety testing was done at concentrations like 0.05% in SPF products and 0.5% in a Human Repeated Insult Patch Test. The safety evidence is assuring; this ingredient is safe for cosmetics in current use and also holds safety status as a food flavoring as well.

An honest caveat: the "soothing" and "anti-inflammatory" claims come mostly from supplier marketing rather than published clinical trials. The Cosmetic Ingredient Review's own literature search found no useful efficacy studies on this ingredient.

So the antioxidant and preservative-boosting roles are the well supported ones while the calming benefit is plausible but thinly evidenced.

Overall, this is a well-tolerated, low-irritation multitasker that quietly helps a formula stay fresh and stable.

Because it is not a free-fatty acid, this ingredient is fungal acne safe (there's nothing for Malassezia to feed on).

Emollients help hydrate the skin by creating a thin barrier. This thin barrier prevents moisture from escaping.

A really common myth is that mineral filters work by reflecting UV light off your skin like tiny mirrors.

They don't only do that; modern research shows TD protects mostly by absorbing UV radiation, the same way chemical filters do.

When researchers measured this, reflection accounted for only about 4-5% of the protection (and less than SPF 2 on its own). The other ~95% comes from absorption: the UV photons hit the particle and their energy gets soaked up by its semiconductor band gap rather than bouncing off.

So "reflects vs. absorbs" was never really the right way to split mineral from chemical filters.

TD gives broad-spectrum protection that's strongest in the UVB and UVA-2 range and weaker in the UVA-1 range. Its UVA protection isn't quite as strong as Zinc Oxide's which is why you'll often see the two paired together.

Together, they make a solid broad-spectrum system.

TD is a great pick for sensitive, acne-prone, or redness-prone skin because it's non-irritating and chemically inert. Regulatory reviews classify it as a non-sensitizer and mild-to-non-irritant.

It's also unlikely to cause the "eye sting" some chemical filters are known for.

The main trade-off is cosmetic; TD can leave a white cast and has a thicker texture. This is why mineral sunscreens are often less cosmetically elegant than chemical or hybrid formulas (and harder to shade-match on deeper skin tones).

Formulators often use micronized or nano-sized TD to cut down on white case and improve spreadability. Smaller particles scatter less visible light so the formula looks less chalky while still filtering UV.

TD is almost always bundled with coatings like Alumina, Silica, Stearic Acid, or Dimethicone. These coatings do two important jobs:

TD can be used at up to 25% in a finished sunscreen; this is the regulatory ceiling in both the US and the EU.

In practice, the amount in any given product varies a lot depending on the target SPF and whether it's paired with other UV filters.

TD is one of the most heavily vetted sunscreen ingredients out there. It is approved as a UV filter in all major markets worldwide, including the US, EU, UK, Japan, Korea, China, Australia, and Canada.

The safety evidence is solid. There was an old worry that nano particles might absorb through skin into the body but multiple studies (including on damaged, sunburned, and UV-irradiated skin) have shown that TD stays on the surface and the layer of dead skin cells on top of everything else.

There's also no evidence of carcinogenicity, mutagenicity, or reproductive toxicity from dermal exposure of this ingredient.

For those who have seen the headline about a 2022 EU ban on TD, that was on TD as a food additive (a complete separate use from topical sunscreen).

There are ongoing questions about how nano-TD might affect marine ecosystems. As of now, there has been no conclusive evidence that any form of TD (or any other sunscreen filter) harms coral reefs or marine life.

The science is still developing and it's a space worth watching rather than packing over.

However, several destinations have reef-safety sunscreen rules that restrict certain chemical filters and steer visitors toward mineral, non-nano options. If you're traveling somewhere with these rules, a non-nano mineral sunscreen is the safe bet.

This ingredient is often coated with metal oxides like titanium dioxide. Trace amounts of heavy metals may be found in mica, but these metals are not harmful in our personal products.

Mica has been used since prehistoric times throughout the world. Ancient Egyptian, Indian, Greek, Roman, Aztec, and Chinese civilizations have used mica.

As a cleansing agent, Potassium Cetyl Phosphate helps gather oils, dirts, and pollutants from your skin. This makes it easier to rinse them away with water.

On top of that, this ingredient can counteract the effects of hard water by binding to the minerals in it.

One thing worth knowing is that Disodium EDTA has been shown to be a mild penetration enhancer. It can help other ingredients absorb into skin more effectively which can be a double-edged sword (great for actives, but can also make the active too strong if you have sensitive skin).

Clinical patch testing showed no significant skin irritation at typical use concentrations and minimal dermal absorption.

You'll most likely see this ingredient near the end of an ingredient list. It's typically found in concentrations less than 1%.