The present invention relates to stable cold-mix water-in-oil emulsions and methods for preparing such emulsions. The cold-mix water-in-oil emulsions comprise oil (i.e., an emollient), water and an emulsification system comprising a quaternary ammonium-based low HLB emulsifier and optional co-emulsifiers. The emulsions are useful in preparing finished cosmetic compositions in the form of lotions, gels, or sprays, which provide improved moisturization, skin feel, skin care, and/or appearance benefits and/or reduced greasiness, with excellent rub-in and absorption characteristics. Also disclosed are cold-mix water-in-oil sunscreen emulsions and methods for preparing such sunscreen emulsions. The emulsions of the instant invention are generally capable of being substantially completely emulsified and stable at about 25° C.