from a girl's pov
Hey dadcob,
My advice is to talk to her...ask her if there is something bothering her. Hopefully, she'll take the opportunity to bring up whatever is on her mind, but know that she also may be too afraid to. No one wants to break up...no matter who does the breaking up, it hurts both ends. And being that the two of you have been together for a year now, I'm sure there are so many wonderful times you both can look back on, and there is fear of letting it all go down the drain.
As far as staying in or pulling out, that's completely up to you. What do you want? And once she brings up whatever is bothering her, the two of you have to both be willing to work it out for it to work, or there is no point in continuing the relationship.
Also, I don't think confronting her will make her think you're insecure. You have good reasoning behind you for asking, and sometimes girls need the guy to ask if something's wrong. Hope everything works out!
Sincerely,
Angelface
Psalm 20:4 "May he give you the desire of your heart and make all your plans succeed."