Cancel your old private pension insurance (tax-free from 2003) and convert it into an ETF or let it run without contributions?

Hello everyone, I'm currently facing a classic dilemma and would be happy to hear your assessments (also with a focus on the mathematical/tax component). Initial situation: I have a private pension insurance that I have been saving for since 2003. Due to the closing date before 2005, the payout in the event of survival would be completely tax-free. Most recently, the savings rate was €145 per month (including dynamics). I have now made the contract free of contributions and the savings rate in m