The HR Guy - Come on!!
I know we're supposed to believe all military contractors are eeeeeeeevil corporations with super duper eeeeeeevil people working there. But they're not run by imbeciles. No way any company would do that phone exit interview nor deny the family insurance money. The bad PR would cost them 100X more than the insurance payout. And besides that company wouldn't pay the insurance money anyway. They buy insurance contracts on their employees, covered by a 3rd party insurance company. Which makes it doubly stupid to risk the bad PR when your insurance company is on the hook for the money.
That was just a stupid scene in an otherwise pretty good movie.