Should I Pay Back a $90K Loan on a Fully Paid Up ( from Disability Rider ) NYL Whole Policy or Let It Lapse?

I have a $250,000 face value New York Life whole insurance policy that had a disability rider and after five years it was designated as " fully paid up " with a cash value of $77,000. Like most people, I foolishly borrowed quite a bit of that cash value about 10 years ago. The interest rate is 5% which has been added to the outstanding loan every year giving me a current outstanding loan of just under $90,000 and a shrinking death benefit currently sitting at $156,000. The current cash value is down to about $10,500. The interest for 2016 was about $4,500 and it paid a dividend ( to the loan )

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