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Mostky , the most important thing for you to note is that the problem you are currently facing is usually psychological.
Next, your husband needs to understand the role of pre-intimacy. It not only puts you at ease and prepares your mind for the major act, it also acts to help the increased secretion of natural endogenous lubricants from the cervix and the bulbourethral glands allowing easier pemetration.
Then if all of these is still not effective, let your husband, or rather, you buy KY jelly at your local pharmacy store and apply generously. It makes penetration easier.

I hope that helps.

P.S. don't forget to pay me for my services afterwards