I know in practice it's best to just contact the photographer and ask for permission, regardless whether or not you have the legal rights. In order to avoid derailing the question as happened here, consider this a theoretical question, not a practical one: do I have the right to use a photograph taken of me?
If I create a painting on canvas and a photographer takes a picture of it, surely I have more rights to the picture than the photographer. If I paint a car in a unique way and a photographer takes a picture of it, I probably still have some rights to the picture. It's not a far stretch to compare photographing paintings and cars to photographing humans. Most people have made considerable artistic efforts into their presentation, hair, makeup, pose, etc.
We could even look at it in terms of contribution to the work. If the goal is to create a photograph of Janice from accounting, it's not possible without Janice. By comparison, it is possible to create a similar work even with a different photographer. Even Janice herself can produce a photograph of herself without assistance - a crappier photo, but still - no photographer in the world can produce a photograph of Janice without Janice.
I'm from Finland.