It's over, Emily Maynard told Brad Womack on the phone.

That's what Life & Style reports about an April 9 conversation between The Bachelor couple, after she just couldn't imagine marrying the guy.

"Emily told Brad that she can't picture them getting married," an insider reveals to Life & Style. "Brad's not acting like a fiancé, and she knows that he's not going to change. Emily knows in her heart of hearts that the relationship is finished."

Emily Maynard "was very close to moving to Austin with her daughter, Ricki, just a few weeks ago, but that's not true anymore," the insider says.

In fact, Brad put an offer on a new home without consulting Emily Maynard first: "This isn't the behavior of someone who plans to be with her."

The reason for the split stemmed from Brad's hurtful and erratic behavior, L&S says, and the fact that Emily became fearful he was cheating.

"Brad seemed very complacent all of a sudden," says the insider.

"He did everything he could to woo and charm Emily on the show, and then it just slowed. Emily knows he likes Texas, he likes his bars and booze, so she's just wondering if he likes someone else. It started to really worry Emily."

"She felt like, 'If he's not wanting to see her, who is he with?'"

So why hasn't Emily simply announced a split? Her contract with ABC prevents her from speaking out about the relationship without ABC's green light.

ABC called her on April 13 specifically to remind her of that.

Though the network can't force them together, a source says they encouraged Emily to try to work things out with Brad Womack. You know, if she can.

Still, the engagement ring is reportedly off, as is the wedding.

Not sure if this story is true or not, since it comes to us courtesy of Life & Freaking Style, but at the same time, would it surprise us? Not particularly