Nope. I can write it: Love, Lori. I can say things like, "See, that's why I love you so much - you always say what I'm thinking." But I have always had a heckuva time saying "I love you" straight out. My parents never used those terms, although there was no doubt in our minds that we were loved and cherished. I never needed to hear those terms from them, and I grew up without hearing or saying it.
To be honest, I probably make those words more sacred than they should be. Growing up, "I love you" was reserved for the important moments, like when you left home or going into surgery. I had a good girlfriend who believed that you don't say those words to a boy until you are in a very serious relationship and meant it from your heart, and I probably picked up on that. Unfortunately, that led to some serious disappointment when I met boys who didn't place nearly as much importance on the words as I did.
I do tell my spouse and my kids that I love them. I have no problem saying it to them. I still have a hard time saying it to my parents or friends. My in-laws say it to me a lot, and I sometimes question their sincerity. So once again, the words have a lot of baggage, and I have a hard time using them freely. Hopefully that will change over time.