Most Helpful Girl
Just tell her that you love her ! :) and forget about your insecurities , she loves just the way you are , we women fall for what we hear.
Most Helpful Guy
If its how you feel, then tell her. There is no time to waste, because every day she says "i love you" and you don't say it back, its slowly discouraging her, and if you don't say it, she will eventually leave.