If you have a link or flat chain, it most likely has a jump ring or lobster hook closure, which rests on the back of your neck or sometimes, because of movement, slides forward.
A simple way to update your chain and give it a more elegant look is to replace the closures with a clasp. You typically see decorative clasps on fine pearls and other fine beads, however, if you have a chain that you wear it a lot, why not update the closure by replace it with a clasp. It will definitely give your chain, whether gold or silver, a new look and increase its value.
You would be able to wear the clasp in the front, positioning it to the side or to the center for a diverse look.
A thought, if you have an odd pair of stud earrings or if a gentlemen member of your family has a tie pin that he doesn't wear, you could have a jeweler make the base for your clasp and have one of these pieces as the decorative top.