This study aimed to identify which characteristics - personality, competencies, or attitude towards sales - best predict sales performance. Researchers assessed 140 insurance salespeople on these dimensions and divided them into successful and unsuccessful groups based on performance data. Discriminant analysis found that 3 personality traits (achievement orientation, optimism, self-confidence), attitude towards sales, and 2 competencies (customer orientation, communication skills) significantly differentiated the groups. Personality traits and attitude towards sales were the strongest predictors of performance, while competencies did not significantly predict on their own. The results suggest using a multidimensional approach including personality, competencies, and attitude to improve salesperson assessment and selection.