A closed form solution to the convective instability in a composite system of fluid and porous layers with vertical throughflow is presented. The boundaries are considered to be rigid-permeable and insulating to temperature perturbations. Flow in the porous layer is governed by Darcy-Forchheimer equation and the Beavers-Joseph condition is applied at the interface between the fluid and the porous layer. In contrast to the single-layer system, it is found that destabilization due to throughflow arises, and the ratio of fluid layer thickness to porous layer thickness, zeta, too, plays a crucial role in deciding the stability of the system depending on the Prandtl number.