22k€ Rürup free of charge - does it make sense to change?

Hey! I stupidly got a classic Rürup pension insurance 6 years ago when I was in my late 20s. I've been saving on ETFs for a few years now and have now come to the conclusion that Rürup is too inflexible and expensive for me, even though the annual tax refund was nice. Therefore, I will make the insurance premium-free. Unfortunately, you can't transfer the credit from Rürup insurance into the AV depot and so now I'm faced with the question of what to do with it