Does he actually love or its just my fear?

I m asking again There's dis guy i met through a common frnd.... first v chatted online n since last 2 weeks we have been talking on phone........ He is 7yrs older (i m 21 n he is 28) He is d first guy who is more than a friend to me . THe first tym he called v talked for 4 hrs n then he startd talking a little like phone sex.... i hung up.... The nxt day he apologised n told dat he said so coz he loves me a lot..... Aftr 2 weeks he's again comin on d same track, i get little afraid when he talks like that(about sex) n try to change the topic, he thinks dat i m not interested n jst playing with him..... bt i m nt as comfortable as i should be... He's vry caring n i am also attached to him nw...... Bt when dat topic (of sex) comes i become really confused, does he actually love me? Or its my fears dat is taking me away from him.... What do i do? I want to clear all the things before he comes back (he'- out of country n will come back after 2-3 months)