Permissions needed for use of an image of a person on a novel?

Thank you to all those replying - your answers were very helpful.  In view of the Community Guidelines (Be kind and respectful), I know to apply those principles with respect to available content.  Specifically, honor the models and people involved ... I would not want my picture (or my words as an author) used in inappropriate contexts. Golden rule applies to content - do unto others as you would have others do to you.

It is good to know, and assuring, that this all has been thought through with the Adobe model and product releases.  Again, thanks to all for your valued responses.

If I am the photographer, it is my responsibility to get a signed model release for my picture from the person(s) on the picture. That model realease basically allows me (photographer) to submit the picture to stock image sites. Adobe would not accept my image without a valid model release. So all pictures you can buy here have a model release or a property release when needed. You can use the asset then according to Adobe's licensing terms. 

Hi Michael,

Image of any recognizable person requires model release. Photo of books needs property release, except none of the writing shows.

Best wishes

JG