I have to agree with smartcookie. Michelle mentions this and says it can be ok to have sex with an estranged spouse if you are comfortable. I think this might be the one thing of Michelle's that can be argued against.
However, you have to be careful if you are going to reject him when he wants sexy time. You cant make it seem like you are witholding sex as sort of a ransom for his emotional affection towards you. Instead, indicate that you feel better having sex if it is for love as opposed to physical gratification. And right now in your marriage you dont feel loved. Let him know that you need some time just as he needs time to forgive you.