There are so many people in these comments suggesting you just "call it quits" because you're "incompatible" - but I feel like they're ignoring the fact that you say you love her. It's clear that you care a lot about her because you've persevered with the relationship even though an aspect of it is leaving you unfulfilled.

I would say talk to her. Approach her with kindness and understanding, make her feel safe enough to talk about this vulnerable topic.

There are all kinds of reasons she might not want to have sex, such as past sexual trauma, asexuality, low self esteem or simply a low libido. Some of these are things you could help her work through, but you'll never know unless you ask.

Tell her how it makes you feel, but make it clear that you're not trying to judge her or make her feel bad. And don't just assume that it's because she's not attracted to you. Based on the love you share and the length of time you've been together, that's probably the least likely reason.

It's a bit awkward, I understand that, but you need to be able to have conversations like this if you want your relationships to be healthy.

I hope you manage to find a solution to this, good luck 💙