You certainly see a counsellor ,is it possible she is doing this to get more attention, and make sure she isnt watching on TV PC at any friends house you may have control on what she sees at your house but not at others ,also sometimes they overhear scary conversations from adults and dont always understand , be aware if she goes to play or does sleepovers.Allowing her into your room to sleep is okay if you and your husband dont mind but it is setting up a habit that will be harder to break.