It did scare me ****less when I was 5. Saw a man standing beside my bed in the middle of the night, wearing a suit, tie, and hat. I'm pretty sure my eyes were wide as saucers til dawn. Startled me when I was about 13, saw (craziest image ever) an Indian (native American) in top hat and tails hunched over and peering through a sliding glass door where a friend was watching t.v. Then back to ****less when I was 18, n the middle of summer in Florida after playing tennis with a friend we went to his apt. for a glass of iced tea. We're sitting, chatting, and drinking, and all of a sudden I'm freezing cold. I open my mouth to tell him and I can't speak. I try to move to get up and can't do that either. This complete and utter paralysis lasted a good two minutes. When I could speak, I told my friend. "Oh, that's just my ghost. He does that sometimes".
His complete calmness and sheer matter of fact attitude made the *world* of difference to me. We laughed and talked about it some more. Children are sensitive to emotion, especially their own parents. If you listen, and try to answer questions or explain calmly that lack of fear alone will likely go a long way for your child. It might not be the easiest thing in the world to face, but I'm sure you'll find tons of people here ready with moral support and positive energy.
Good luck!