Mick Jagger's 27-year-old daughter ELIZABETH takes it all off in the new issue of "Playboy".

She tells the magazine...

I'm kind of a topless person.  I'm quite European, so when I'm at the beach, I prefer to be topless.

Elizabeth says Mick and her mom, Jerry Hall, are cool with her pictorial...

They understood that when you don't know when you're going to have kids, it's nice to have wonderful pictures of your 20-something self, and at 27, I feel comfortable expressing myself through my body.

Jerry... who was married to Mick from 1990 to 1999... posed for the October 1985 issue of "Playboy".