With Word, you need to place the graphics under the text, rather than placing the text on the graphics.
1. Have the required text in place at the document.
2. Insert or Paste the graphic into the document.
3. Click your graphics image to select it.
4. On the Format menu, click Picture.
5. Click the Layout tab. Under Wrapping style, click Behind text, and then OK out. Select picture again to position it under the text.
OR you can use a graphics editor to place the text on the photo beforehand.

(This works with a PC, should be similar with a Mac)