Personal care gel and method

A moisturizing gel composition is disclosed containing 4 wt.% to 12 wt.% of a humectant selected from trimethylglycine, propylene glycol, glycerin and combinations thereof; 1 wt.% to 6 wt.% of a skin feel agent selected from PEG-14M, polyglyceryl-3-laurate, ppg-3 isostearyl methyl ether, PEG60 almond glyceride, and combinations thereof; 0.25 wt.% to 1 wt.% of a skin conditioning agent selected from shea oil and triterpenesters; 0.2 wt.% to 2 wt.% of a structure increasing polymer selected from carbomers, acrylate polymers, acrylate copolymers and combinations thereof; and a cosmetically acceptable aqueous carrier; wherein, the composition has a pH of 4 to 7. A method to produce the composition at low temperature is further disclosed.