budone pointed me in the right direction but I think tidbits pushed him off with apps and clearing cache. Battery app definitely showed me what the issue was.
Battery monitor and phone built in monitor shows phone call usage above 25%. I don't use my phone for hours a day (320 minutes / 4 = 80 minutes talk time). So why is my phone polling Verizon towers so often? Issue also prevented phone from sleeping correctly. So, SIM/firmware conflict. The update pushed a radio setting in the phone to a CDMA + LTE/EvDO auto which was to correct the SIM/reboot issue.
Thread detailing boot loop issue and fix, forum.xda-developers.com/showthread.php
My phone was already set to a correct radio setting prior to the update. When the update was pushed I had my phone in 3G/CMDA to maintain the battery. This update forced a setting and restarted phone and caused a SIM/firmware conflict. Now my phone will go into a boot loop when it drains below 20% and in CDMA(3G). 4G LTE it will run fine. Why? Still attempting to isolate that. I don't think I can unless I have developer access and root the phone. I will not be doing this knowing that there is a manufacturer/carrier defect on my device and they are on the chain for it's repair at the moment. Software, phones firmware agree that it is a CDMA + LTE/EvDO device but SIM has to be removed, phone booted without, TURN OFF, reseat SIM and power on to fix boot loop after charging for a while every day so far. Verizon why am I troubleshooting an issue that your techs should have figured out before pushing a manufacture update? I am paying for Verizon service because it's better than Sprint and AT&T but not cheaper in my area! Where is the Verizon rep with assistance?